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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.
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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?Find an Approved Solicitor on the Kent Reliance (a trading name of OneSavings Bank plc) Conveyancing Panel
Q and A’s regarding the Kent Reliance Solicitor Panel
I have just been informed by my broker that my the law firm I have appointed is not on the Kent Reliance Solicitor panel. What can I do to be certain that this is indeed the case?
You need to contact your conveyancer. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the the approved Kent Reliance solicitor panel.
Can you help?. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Kent Reliance was dated random date and we have agreed a date for me to move into the property on Tues etc. My lawyer informs me that as she is on the Kent Reliance conveyancing panel she needs to reorder the searches as they are now out of date.
A precondition to being on the Kent Reliance approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Kent Reliance)which specifies that a local authority search be not more than 6 months old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Kent Reliance.
I have been searching for competitive conveyancing fees. Can I be assured that all the practices that are identified on your site are on the Kent Reliance conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have advised us that they are on the Kent Reliance panel and agreed to advise us to take down their listing in the event of removal off of the Kent Reliance 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 Kent Reliance conveyancing panel is incorrect.
My uncle passed away 10 months ago and as sole heir and executor was left the property. The house had a relatively small loan left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Kent Reliance , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Kent Reliance will insist on your using a conveyancer on the Kent Reliance 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 Kent Reliance 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 Kent Reliance mortgage is registered as a charge at the Land Registry.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to proceed? I hope to get a mortgage with Kent Reliance. Is there anyway to cut out the solicitors to save us both money? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with Kent Reliance involved you will need to appoint a solicitor on the Kent Reliance conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Kent Reliance. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Kent Reliance conveyancing panel.
I currently have a mortgage with with Kent Reliance. Conveyancing has been completed 12 months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Kent Reliance?
You must advise Kent Reliance prior to letting out your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. It may be that Kent Reliance will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. It should not be necessary to do this via a Kent Reliance conveyancing panel lawyer.
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?
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I've digested plenty 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 correct?
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.
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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.
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