Find an Approved Solicitor on the Hinckley and Rugby Building Society
Hinckley and Rugby Solicitor Panel Recently Asked Questions
We are purchasing a 3 bedroom flat in Newcastle with a mortgage from Hinckley and Rugby. We would like to retain our lawyer but Hinckley and Rugby says he's not on their "panel". It seems we have little choice but to instruct one of the Hinckley and Rugby panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though 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 Hinckley and Rugby 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 lawyer to apply to be on the conveyancing panel for Hinckley and Rugby
We are only a couple days away from an exchange and my mum and dad having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Hinckley and Rugby. Apparently, being on the Hinckley and Rugby conveyancing panel and acting on their behalf he must inform Hinckley and Rugby if the balance of the mortgage advance is coming from anyone other than me. I disclosed to the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for him to raise this?
Your lawyer is obliged to check with Hinckley and Rugby to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Hinckley and Rugby if you agree, failing which, your lawyer must cease to continue acting.
I am Googling for conveyancing quotes online. Can I be sure that all the firms that are identified on your directory are on the Hinckley and Rugby conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have advised us that they are on the Hinckley and Rugby panel and agreed to advise us to take down their listing in the event of removal off of the Hinckley and Rugby panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Hinckley and Rugby conveyancing panel is not accurate.
My lawyers in London have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with Hinckley and Rugby. Is it case that being on the Hinckley and Rugby conveyancing panel they need to have retained the file for a number of years?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Hinckley and Rugby Conveyancing Panel Terms. It might be worth you contacting Hinckley and Rugby directly.
I am currently in the process of buying my council flat. I have a mortgage offer with Hinckley and Rugby. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Hinckley and Rugby you will need to appoint a solicitor on the Hinckley and Rugby conveyancing panel.
The for formalities of my purchase has taken place with a mortgage from Hinckley and Rugby. Conveyancing was satisfactory but I feel I should register my dissatisfaction about Hinckley and Rugby. Who do I contact should I wish to lodge a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the Hinckley and Rugby branches or the Customer Care Team at Hinckley and Rugby head office. Ordinarily complaints to Hinckley and Rugby are resolved very quickly. If you feel that the matter is not resolved you can write to the
Financial Ombudsman Service
with full details of your complaint.
Hinckley and Rugby have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Hinckley and Rugby or your broker and complete any relevant paperwork. Hinckley and Rugby will tell you what documents they want. Hinckley and Rugby will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Hinckley and Rugby will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
Transfer of Equity for Hinckley and Rugby
Please note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors