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Find a Winton Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Winton

My wife and I are hoping to buy a house in Winton and have instructed a Winton conveyancing firm. Within the past 48 hours our conveyancer has forwarded the sale agreement to be signed with a detailed report in anticipation of exchanging contracts shortly. Leeds Building Society have this evening contacted us to advise us that they have now hit a problem as our Winton conveyancer is not on their approved list of lawyers. Is this a problem?

If you are buying a property requiring a mortgage it is usual for the purchasers' solicitors to also represent the purchaser's lender. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your property lawyer should contact your lender and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on the lender’s conveyancing panel and you may continue to use your own Winton solicitors, in which case your legal fees may increase, and it will likely delay the transaction as you are adding another lawyer into the mix.

My grandfather passed away 10 months ago and as sole heir and executor I was left the house in Winton. The house had a small mortgage left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Santander, pay off the mortgage. Is this possible?

Given you plan to re-mortgage then Santander will require that you use a conveyancer on the Santander conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Santander conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Santander mortgage is registered as a charge at the Land Registry.

My relative recommended that if I am buying in Winton I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is usually included in the estimate for your Winton conveyancing searches. It is a large report of more than thirty pages, listing and detailing important information about Winton around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Winton Education with maps and statistics, Local Amenities and other useful information concerning Winton.

The deeds to my house can not be found. The lawyers who dealt with the conveyancing in Winton 5 years ago have long since closed. What do I do?

These day there are duplicates made of almost everything, and your solicitor should be aware precisely where to find all the suitable documentation so you may buy or sell your house without a hitch. Where duplicates can’t be found, your conveyancer can arrange cover in the form of insurance or indemnities protecting you against possible claims on your property.

I'm buying my first flat in Winton with a mortgage from Britannia. The sellers would not move on the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep suggested that I not reveal to my conveyancer about this deal as it would adversely affect my loan with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder 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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