Can the conveyancing solicitors listed on your site conduct conveyancing in Surrey by way of an attended exchange?
There are a few conveyancing specialists who can conduct personalised exchanges. You should call us to get a costs illustration and details as to dates.
When it comes to lenders such as Clydesdale, do Surrey conveyancers have to pay a fee to be on the list of approved solicitors?
We are not aware of any mortgage company fees to register on their list of approved firms, although some do levy an administration fee to deal with the processing of the conveyancing panel submission.
We had instructed solicitors based in Surrey on the Bank of Ireland solicitor approved list. They have just invoiced me a supplemental amount for the legal aspects of the Bank of Ireland mortgage. Is this a supplemental conveyancing fee set by Bank of Ireland?
Provided it is contained in their Terms of Engagement or estimate then yes your solicitor can levy a fee for this. This charge is not set by Bank of Ireland but by your Surrey conveyancing practitioner. Plenty of firms on the Bank of Ireland panel will charge ’dealing with mortgage’ fee but some firms incorporate it on their overall fee.
It is unclear whether my lender requires a lease extension. I have telephoned my Surrey bank branch on numerous occasions and was told it does not impact the mortgage offer and they would lend. My Surrey conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they will not lend in accordance with their published requirements. I have no idea who is right.
As long as the property lawyer is on the lender panel, she or he must follow the Council of Mortgage Lenders’ Handbook requirements for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
I used Action Conveyancing a few years ago for my conveyancing in Surrey. I now require my file however cannot find the solicitor. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Surrey of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the advice of my in-laws I had a survey completed on a house in Surrey prior to appointing solicitors. I have been advised that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies will refuse to grant a mortgage on such a house.
It depends who your proposed lender is. Lloyds has different requirements for example to Nationwide. Should you wish to telephone us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Surrey. Conveyancing may be slightly more expensive based on your lender's requirements.
We yesterday found out that one of the directors of the conveyancing practice undertaking the purchase conveyancing in Surrey is related to the vendor. Is this acceptable?
As long as no conflict arises this is permitted. Where you are obtaining mortgage finance then the lender may have a say as many banks have specific requirements concerning this. For example for Lloyds TSB Scotland as of 10/9/2021, the requirements read as follows :