I am expecting a mortgage offer from Halifax. I would like to retain the legal services of a Licensed Conveyancer in Radyr. Does the Halifax Solicitor panel exclude conveyancers regulated by the CLC?
The Halifax conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Is it possible for conveyancing in Radyr to be done inside 3 weeks?
In a situation where you are under pressure for your conveyancing it is advisable to make sure that your conveyancer is familiar with the location as they will have local connections and intelligence. It is even conceivable that they could have transacted otherhomes in the same street. Therefore consider using a Radyr conveyancing firm. In addition, make sure that the lawyer is on the member panel. It is understood that nearly one in five of Radyr conveyancing deals are held up or jeopardised after discovering a buyer’s lawyer was not on their banks panel. This can often result in the legal transfer of property being delayed by an average of three weeks. It is said that this issue affects approximately 100,000 home sales annually. Almost all Radyr conveyancing firms can not represent certain banks so do check as early as possible.
I have decided to exercise my right to buy my property in Radyr off the council. I have a mortgage offer with Kent Reliance. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Kent Reliance, you will need to appoint a solicitor on the Kent Reliance conveyancing panel.
The formalities of my purchase has taken place for my property in Radyr. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
About to purchase maisonette in Radyr. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the UBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Radyr lawyer is on the UBS conveyancing panel.
I have been recommended by numerous selling agents in Radyr to find a solicitor using your seach tool. What’s the financial advantage for Estate Agents to offer your services ahead of alternative conveyancing organisations?
We refuse to offer any financial incentive for pointing buyers and sellers in our direction. We found it would be just too difficult to pay a commission because members of the public would think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.
My husband and I are FTB’s - had an offer accepted, but the agent has warned us that the owners will only proceed if we instruct their recommended conveyancers as they want an ‘expedited deal’. We would rather use a family solicitor accustomed to conveyancing in Radyr
It is unlikely the vendors are behind this. Should the seller desire ‘a quick sale', turning down a genuine buyer is going to damage their objectives. Avoid the agents and go straight to the sellers and make sure they comprehend that (a)you are genuine buyers (b)you are ready to progress, with mortgage lined up © you are chain free (d) you wish to move quickly (e)but you intend to use your preferred Radyr conveyancing lawyers - as opposed tothose that will provide the estate agent a referral fee or meet his conveyancing thresholds set by HQ.