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My fiance and I are purchasing a 3 bedroom apartment in Newcastle with a mortgage from Keystone Property Finance. We would like to retain our lawyer but Keystone Property Finance says she’s not on their "panel". We have to appoint one of the Keystone Property Finance panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Keystone Property Finance 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. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Keystone Property Finance
Please assist. My lawyer is not to blame but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Keystone Property Finance was issued random date and we have agreed a date for me to move into the property on 6. My lawyer has advised that as she is on the Keystone Property Finance conveyancing panel she needs to redo the searches as they are now out of date.
One of the many conditions to being on the Keystone Property Finance approved panel is to comply with the CML Handbook requirements (last updated for this lender on Keystone Property Finance)which specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Keystone Property Finance.
I need to find a Keystone Property Finance panel solicitor in Belfast. Can you assist?
Unfortunately it’s not apparent why you need a Keystone Property Finance panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Keystone Property Finance to find out which solicitors in Keystone Property Finance are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
I am considering applying for a Keystone Property Finance mortgage for purchase of a new build (under development) with 65 per cent loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Keystone Property Finance?
In theory, you could use a solicitor that is not on Keystone Property Finance conveyancing panel, but Keystone Property Finance would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
Are all Conveyancing Quality Solicitors on the Keystone Property Finance conveyancing panel?
It is true that some banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
Hi, thinking about buying a house off my mate. Assuming we can agree a figure, what’s the best way to proceed? I plan to obtain a mortgage with Keystone Property Finance. Is it possible to avoid using solicitors to save on the costs? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Keystone Property Finance involved you will need to appoint a solicitor on the Keystone Property Finance 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 Keystone Property Finance. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Keystone Property Finance conveyancing panel.
I am due to exchange contracts on my apartment. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Keystone Property Finance are being pedantic. The solicitor who is on the Keystone Property Finance conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Keystone Property Finance are insisting on a building regulation certificate. Why do Keystone Property Finance have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Keystone Property Finance have referred the matter to their valuer. The reason why Keystone Property Finance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.