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approved by NRAM
Ready to buy a new home? Failing to check that a lawyer is on the NRAM 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 NRAM Ltd Conveyancing Panel? How can my firm be reinstated onto the NRAM Ltd Conveyancing Panel?Find an Approved Solicitor on the NRAM Ltd Conveyancing Panel
FAQs : The NRAM Ltd Solicitor Panel
The conveyancer I wanted to use for conveyancing on a purchase said he would charge more if my mortgage is with NRAM Ltd due to their unusual legal requirements. Will I regret using NRAM Ltd? Any comments will be appreciated
NRAM Ltd conveyancing requirements for their panel are no better or no more complicated than most lenders.
It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender.
It is not clear if your lawyer is on the NRAM Ltd conveyancing panel. If they are not, this does add further risk of delay as NRAM Ltd will appoint their own solicitors to look after their interest.
We are approaching an exchange and my mum and dad having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender NRAM Ltd. I am advised that, being on the NRAM Ltd conveyancing panel and acting on their behalf he must inform NRAM Ltd if the balance of the mortgage advance is coming from anyone other than me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with NRAM Ltd 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 NRAM Ltd if you agree, failing which, your lawyer must cease to continue acting.
Whilst your website is a good idea there are many lawyers listed near Hackney on the NRAM Ltd conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the NRAM Ltd approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
We're in Birmingham, First time buyers buying with a mortgage (lender is NRAM Ltd , but our solicitor is on the NRAM Ltd conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the NRAM Ltd conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
I am currently in the process of buying my council flat. I have a mortgage agreed with NRAM Ltd. Conveyancing is new to me. 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 NRAM Ltd you will need to appoint a solicitor on the NRAM Ltd conveyancing panel.
The for formalities of my purchase has taken place with a mortgage from NRAM Ltd. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about NRAM Ltd. How does one go about formally complaining?
All banks and building societies have complaints procedures. Your first port of call should be one of the NRAM Ltd branches or the Customer Services Department at NRAM Ltd head office. We understand that complaints to NRAM Ltd are sorted out effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the
Financial Ombudsman Service with full details of your complaint.
After shopping around on the internet I have found a solicitor having checked that they are on the NRAM Ltd conveyancing panel. Does my lawyer arrange the survey of the property?
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Having digested plenty of house buying,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 NRAM Ltd conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
NRAM Ltd will need an independent valuation of the property. Your lawyer will not arrange this. Usually NRAM Ltd 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 NRAM Ltd you could contact your them to see if they have a list of approved surveyors.
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Transfer of Equity for NRAM LtdPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors