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The lawyer my husband and I had intended to instruct on a remortgage said he would charge more if my mortgage is with The Chorley & District Building Society due to their unusual legal requirements. Will I regret using The Chorley & District Building Society? Any comments will be appreciated
The Chorley & District Building Society 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 The Chorley & District Building Society conveyancing panel. If they are not, this does add further risk of delay as The Chorley & District Building Society will appoint their own solicitors to look after their interest.
We are nearing an exchange and my mum and dad having transferred 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 The Chorley & District Building Society. Apparently, being on the The Chorley & District Building Society conveyancing panel and acting on their behalf he must inform The Chorley & District Building Society if the balance of the mortgage advance is coming from anyone other than me. I advised the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for him to raise this?
Your lawyer is obliged to check with The Chorley & District Building Society 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 The Chorley & District Building Society if you agree, failing which, your lawyer must cease to continue acting.
I note that you have a post code search directory listing law firms on the The Chorley & District Building Society conveyancing panel. Do firms pay you a commission if I instruct them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the The Chorley & District Building Society conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
My uncle passed away last year and as sole heir and executor was left the house. The house had a small mortgage left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to The Chorley & District Building Society , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then The Chorley & District Building Society will insist on your using a conveyancer on the The Chorley & District Building Society 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 The Chorley & District Building Society 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 The Chorley & District Building Society mortgage is registered as a charge at the Land Registry.
My fiance and I are in the process of viewing flats and now considering a potential offer. Is it premature to have a solicitor in place? I intend to finance via a mortgage with The Chorley & District Building Society
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with The Chorley & District Building Society , ask your prospective lawyers check they are on the The Chorley & District Building Society conveyancing panel otherwise they can't do the mortgage legal work.
I have paid off my mortgage with The Chorley & District Building Society. I assume I don't need a solicitor on the The Chorley & District Building Society panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your The Chorley & District Building Society 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 The Chorley & District Building Society mortgage from the register. The Chorley & District Building Society,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 The Chorley & District Building Society has sent the Land Registry the discharge electronically, and the The Chorley & District Building Society has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your The Chorley & District Building Society mortgage has been paid off.
I am due to exchange contracts on my house. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, The Chorley & District Building Society are being pedantic. The solicitor who is on the The Chorley & District Building Society conveyancing panel is happy to accept ‘lack of building regulation’ insurance but The Chorley & District Building Society are requiring a building regulation certificate. Why do The Chorley & District Building Society have a conveyancing panel of they don’t accept advice from them?
It is probably the case that The Chorley & District Building Society have referred the matter to their valuer. The reason why The Chorley & District Building Society 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.