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approved by Kent Reliance
Ready to buy a new home? Failing to check that a lawyer is on the Kent Reliance list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?Is my firm on the Kent Reliance (a trading name of OneSavings Bank plc) Conveyancing Panel? How does my firm apply to be on the Kent Reliance (a trading name of OneSavings Bank plc) Conveyancing Panel? How can my firm be reinstated onto the Kent Reliance (a trading name of OneSavings Bank plc) Conveyancing Panel?
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My husband and I are buying a 3 bedroom apartment in Newcastle with a mortgage from Kent Reliance. We like our lawyer but Kent Reliance says he's not on their "panel". We have to appoint one of the Kent Reliance panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Kent Reliance use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Kent Reliance 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 solicitors to apply to be on the conveyancing panel for Kent Reliance
Expecting to complete my purchase next Friday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for Kent Reliance. What risks do Kent Reliance expect the insurance to cover?
Any lawyer on the Kent Reliance conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Kent Reliance’s Part 2 requirements of the CML Handbook (last updated on Kent Reliance). Being on the Kent Reliance conveyancing panel your lawyer is expect to follow these requirements.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Kent Reliance conveyancing panel. My lawyer has said that they are on the Kent Reliance approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Kent Reliance conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Kent Reliance solicitor panel.
I am selling my house. Does my solicitor have to be on the Kent Reliance conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Kent Reliance conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
My brother and I have had an offer accepted on a house I spoke to a conveyancer previously used by my uncle and he suggested using a property lawyers approved by Kent Reliance. The estate agent recommended two local firms so I asked Kent Reliance if the 2 suggested solicitors are approved, which they are not. Kent Reliance suggested that either firm can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Kent Reliance 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Kent Reliance to suggest a law firm in your location. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Kent Reliance conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Kent Reliance conveyancing panel as it may only take about 2-3 weeks. As long as they meet Kent Reliance’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
I was told three weeks ago that my mortgage has been agreed to by Kent Reliance. Is it usual for Kent Reliance to only issue the offer once my solicitor is approved on their conveyancing panel?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Kent Reliance to deal with your lawyers application to be on the Kent Reliance conveyancing panel. There's no guarantee that your solicitors will be accepted.
After shopping around on the internet I have found a solicitor having made sure that they are on the Kent Reliance conveyancing panel. Does my lawyer arrange the survey of the property? Or I've read lots of mortgage guides,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Kent Reliance conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Kent Reliance will need an independent valuation of the property. Your lawyer will not arrange this. Usually Kent Reliance will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Kent Reliance you could contact your them to see if they have a list of approved surveyors.