My IFA says he needs my Overton law firm’s panel member for the Santander conveyancing panel. How do I discover this. I have called my local Overton branch but they cant find it on their system.
Have you tried calling your Overton property lawyer about this?. They keep a central record lender panel numbers.
My husband and I decided to purchase a 1 bedroom flat in Overton with a residential mortgage from Halifax.We have a Overton conveyancing solicitor but Halifax advised that he's not listed on their "panel". It seems we are left with little choice but to instruct a Halifax panel firm or keep our high street solicitor and fork out for one of their panel ones to represent them. This seems very unfair; is there anything we can do?
No, not really. The loan offered to you contains terms and conditions, a common one being that conveyancers must be on the Halifax solicitor panel. in the past, most mortgage companies had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your lawyer to apply to be on the conveyancing panel for Halifax
Despite weeks of looking the Title Certificate and documents to our house can not be found. The conveyancers who handled the conveyancing in Overton 4 years ago are no longer around. What are my options?
As long as you have a registered title the information relating to your proprietorship will be retained by the Land Registry with a Title Number. It is easy to carry out a search at the Land Registry, locate your property and secure up to date copies of the property title for less than a fiver. Where the title is Leasehold then the Land Registry will also normally retain a certified copy of the Registered Lease and again, a copy can be retrieved for a small fee.
I am purchasing my first flat in Overton with the aid of help to buy. The sellers would not budge the amount so I negotiated 6k of extras instead. The estate agent advised me not inform my solicitor about the extras as it could affect my loan with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
As co-executor for the will of my father I am selling a property in Swansea but reside in Overton. My conveyancer (based 200 miles awayneeds me to sign a statutory declaration before completion. Could you suggest a conveyancing practitioner in Overton who can attest this legal document for me?
Technically speaking you should not need to have the documents attested by a conveyancing solicitor. Normally or notary public or solicitor will suffice regardless of whether they are located in Overton