Find a Westbourne Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Westbourne? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Westbourne transaction at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Westbourne conveyancers for over 130 lenders.

Recently asked questions about conveyancing in Westbourne

I have just started taking steps with the aim of changing my existing standard mortgage to a Buy to Let Norwich and Peterborough Building Society mortgage. I have been informed by my broker that I require a solicitor as part of the process. I had a chat the same Westbourne conveyancing firm who dealt with the legals when I initially acquired the premises. The fee calculation e-mailed to me of £450 plus VAT has shocked me as I am not require purchase conveyancing - it’s simply a bog-standard refinance.

The quote is slightly on the high side. If you are happy to invest time contrasting costs you might decrease the fees marginally by as much as £100 plus VAT. That being said, providing that you were content with the service the firm provided you couldlive to regret opting for an an unknown solicitor. If is important to check the solicitor can also act for Norwich and Peterborough Building Society. Do employ our search tool to find a Westbourne conveyancing firm on the Norwich and Peterborough Building Society approved list of lawyers, which can often include conveyancing solicitors in Westbourne.

My wife and I are purchasing a new build duplex in Westbourne and my lawyer is advising me that she has to the mortgage company to disclose incentives from the seller. I am nearing the developer’s deadline to exchange contracts and I have no desire to delay deal. Is my lawyer right?

You should not exchange unless you have been advised to do so by your solicitor. A precondition to being on a lender panel is to comply with the UK Finance Lenders’ Handbook conditions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

It is is a decade since I purchased my house in Westbourne. Conveyancing solicitors have now been instructed on the sale but I am unable to find the title deeds. Is this a major issue?

You need not be too concerned. First the deeds may be retained by the lender or they could be archived with the solicitor who oversaw the purchase. Secondly in most cases the title will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors acquiring up to date copy of the land registers. The vast majority of conveyancing in Westbourne involves registered property but in the unlikely event that your home is unregistered it is more problematic but is resolvable.

Two weeks ago we had a mortgage agreed in principle with Nottingham. Westbourne conveyancing solicitors have been instructed. How long does it take for Nottingham to forward the offer to the solicitor?

Some lenders take longer than others. Have Nottingham conducted the survey? Have you informed Nottingham as to your lawyers' details and checked that your lawyers are on the Nottingham conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

The formalities of my remortgage has taken place for my property in Westbourne. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

About to purchase house in Westbourne. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the HSBC 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 Westbourne conveyancing practitioner is on the HSBC conveyancing panel.

I'm purchasing my first flat in Westbourne with a loan from Skipton Building Society. The builders would not reduce the amount so I negotiated £7000 of extras instead. The house builders rep told me not to tell my solicitor about the side-deal as it could affect my loan with the bank. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer 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.

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