Me and my partner are purchasing a 2 bedroom apartment in Paignton with a mortgage. We like our Paignton lawyer, however the bank advise he's not on their "panel". It appears that we have little option but to select one of the lender panel conveyancing practices or retain our Paignton solicitor and pay for one of their panel ones to act for them. This seems very unfair; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose 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 Paignton conveyancing solicitor to apply to be on the conveyancing panel.
I am buying a house mortgage free in Paignton. I have been living for the previous 20 years in Paignton. Conveyancing searches are exorbitant. Given that I have knowledge of the area and road intimately should I not bother getting the solicitor to do all the conveyancing searches?
Provided that you do not need a mortgage, then almost all of the Paignton conveyancing searches are non-obligatory. Your conveyancer will 'advise', no-doubt strongly, that you should have searches carried out, but she is duty bound to do this. Do take into account; if you are intend to sell the house in the future, it will likely be be of importance to your future purchaser what the searches determine. There are plenty of instances where premises with apparent issues can still show up unfavourable search results. A good conveyancing solicitor in Paignton should be able to give you some sensible guidance here.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Paignton?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Paignton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
What tools are available to search for a Paignton law firm on the Leeds Building Society conveyancing panel? I have wheels and am prepared to travel upto 10miles to meet the conveyancer.
You can use the search on this website. Please pick a mortgage company and your location and you will see a number of Paignton conveyancing lawyers located nearest you. We have listed some Paignton conveyancing firms towards the end of this page and you can contact them to check whether they are on the Leeds Building Society approved list
I have been sourcing a conveyancing solicitor in Paignton for my home move. Can I see a firm’s complaints history with the profession’s regulator?
You can search for presented Solicitor Regulator Association (SRA) determinations resulting from investigations started on or after 1 January 2008. Visit Check a solicitor's record. To find details Pre 2008, or to check a firm's record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The SRA may recorded call for training purposes.