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Find a Witham Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Witham

Me and my partner are buying a 3 bedroom flat in Witham with a mortgage. We have a Witham conveyancer, however the bank says he's not on their "panel". It appears that we have little choice but to instruct one of the mortgage company panel conveyancing practices or retain our Witham conveyancing practitioner as well as pay for one of their panel ones to act for them. We consider that this is unjust; is there anything we can do?

Unfortunately,no. 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 Witham conveyancing solicitor to apply to be on the conveyancing panel.

My partner and I are buying a brand new duplex in Witham and my lawyer is advising me that she has to the mortgage company to reveal incentives from the builder. The Estate Agents are hassling me to sign contracts and I would rather not prolong deal. Is my lawyer right?

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

I have been referred to a conveyancing solicitor in Witham. I need to find out whether they are on the Aldermore conveyancing panel. Could you help?

The first thing to do is e-mail your conveyancer and ask them whether they can act for the lender. Otherwise you can call Aldermore who may be able to help.

I have todayfound out that Arc property Solicitors have closed. They carried out my conveyancing in Witham for a purchase of a leasehold apartment 9 months ago. How can I establish that the property is registered correctly in the name of the former proprietor?

The easiest way to see if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Witham conveyancing specialists.

I'm buying a new build house in Witham benefiting from help to buy. The developers refused to reduce the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep suggested that I not reveal to my conveyancer about the deal as it may jeopardize my mortgage with Lloyds TSB Bank. Do I keep my lawyer in the dark?.

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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