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I have been advised by my broker that I have to pay NRAM Ltd fees if I use my own solicitor. How efficient are the NRAM Ltd conveyancing panel solicitors? I dont care which law firm I use as long as they're good and reasonably priced. Are there any NRAM Ltd conveyancers you'd recommend?
NRAM Ltd’s conveyancing panel is substantial so it would be advisable to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that NRAM Ltd will allow to act for them.
Our grandson is buying a new build apartment with a home loan from NRAM Ltd. His conveyancer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The form is intended to provide information to the main parties involved in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the NRAM Ltd conveyancing panel as a standard part of the process, and to the valuer when asked.
The Developer will be required to start the process by downloading the form and completing it.
The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the NRAM Ltd conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
Is it necessary during the course of the conveyancing process to pop into the offices of the NRAM Ltd conveyancing panel solicitor to sign the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Liverpool
so that I can attend their offices when needed.
As opposed to 12 years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Liverpool
I am attempting to get my former partner taken off the mortgage deeds. Can NRAM Ltd really tell me which solicitor I can or can not instruct?
You can use any solicitor you like but NRAM Ltd then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the NRAM Ltd solicitors panel
Hi, thinking about buying a house off my mate. Assuming we can agree a figure, what’s the best way to move forward? I hope to get a mortgage with NRAM Ltd. 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 NRAM Ltd involved you will need to appoint a solicitor on the NRAM Ltd 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 NRAM Ltd. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the NRAM Ltd conveyancing panel.
I have paid off my mortgage with NRAM Ltd. I assume I don't need a solicitor on the NRAM Ltd panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your NRAM Ltd mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the NRAM Ltd mortgage from the register. NRAM Ltd,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the NRAM Ltd has sent the Land Registry the discharge electronically, and
the NRAM Ltd has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your NRAM Ltd mortgage has been paid off.
I have a mortgage with NRAM Ltd. My uncle has just retired and wants to pay off my mortgage. After NRAM Ltd is paid, I want to transfer the property to my mother's name; How long will it roughly take? Do we need two separate solicitors on the NRAM Ltd conveyancing panel? I do not intend to live at the property once the NRAM Ltd mortgage is discharged.
will need a solicitor but they need not be on the NRAM Ltd conveyancing panel.
You will need a solicitor to draw up the transfer and
to deal with the Land Registry formalities. The only thing you need to
consider is that by selling at an undervalue so ask your lawyer about
the implications. There could be an inheritance tax issue if you die
within 7 years of this. There's no capital gains tax for you as it is
your main residence.