Me and my fiance are hoping to acquire a 1 bedroom apartment in Southend with a mortgage. We would like to retain our Southend lawyer, however the bank advise she’s not on their "panel". It appears that we have no option but to select one of the lender panel solicitors or continue with our Southend and pay for one of their panel firms to represent 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 lender’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 Southend conveyancing lawyer to apply to be on the conveyancing panel.
The Southend conveyancing firm handling our Southend conveyancing has discovered an inconsistency when comparing the surveyor’s assumptions in the home valuation survey and what is in the title deeds. My solicitor informs me that he is duty bound to ensure that the lender is OK with this discrepancy and is still content to lend. Is my lawyer’s course or action legitimate?
Your must comply with the UK Finance Lenders’ Handbook provisions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
Me and my brother have a semi-detached Edwardian property in Southend. Conveyancing lawyer acted for me and . I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold with the matching property. I'd like to know for sure, how can I find out??
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Southend and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the position with the conveyancing practitioner who conducted the purchase.
Is it possible to change firm as I have to choose one who is on the conveyancing panel. I instructed a family conveyancing solicitor in Southend five minutes from me but she is not approved by
We will our best to assist in finding you a conveyancing solicitor in Southend on the panel. Please note that the conveyancers that we on the directory do not pay us fee if you instruct them and are authorised and regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Southend. In utilising the find a conveyancing solicitor tool on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Southend.
What can I do to discover who owns a house in Southend?
On the basis that the property is registered with HMLR, and you have requisite details of the address of the premises, you should be able to see details from the the Land Registry of the registered proprietor for a for less than a fiver.