Find an Approved Solicitor on the Together Personal Finance Limited
Q and A’s regarding the Together Personal Finance Conveyancing Panel
A solicitor my husband and I wanted to use for conveyancing on a remortgage said she would charge more if my mortgage is with Together Personal Finance due to their unusual legal requirements. Will I regret using Together Personal Finance? Is Together Personal Finance conveyancing so much more difficult?
Together Personal Finance 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 Together Personal Finance conveyancing panel. If they are not, this does add further risk of delay as Together Personal Finance will appoint their own solicitors to look after their interest.
Can you help?. For no fault of my lawyer but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Together Personal Finance was dated random date and we have agreed a date for me to move into the property on 6 months + 3. My solicitor informs me that as she is on the Together Personal Finance conveyancing panel she needs to redo the searches as they are no longer valid.
A precondition to being on the Together Personal Finance approved panel is to comply with the CML Handbook requirements (last updated for this lender on Together Personal Finance)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 Together Personal Finance.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Together Personal Finance conveyancing panel. My lawyer has said that they are on the Together Personal Finance approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Together Personal Finance conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Together Personal Finance solicitor panel.
I am buying a terraced house and getting a mortgage with Together Personal Finance. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Together Personal Finance conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Together Personal Finance conveyancing panel in your location.
Do conveyancing solicitors on the Together Personal Finance conveyancing panel work on a no move no charge basis?
In the main there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
Two weeks ago we had a mortgage agreed in principle with Together Personal Finance. Solicitors have been instructed? How long does it take for Together Personal Finance to send the offer to our conveyancer
Some lenders take longer than others. Have Together Personal Finance conducted the valuation? Have you advised Together Personal Finance as your lawyers details and checked that your lawyer is on the Together Personal Finance conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
Together Personal Finance have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Together Personal Finance or your broker and complete any relevant paperwork. Together Personal Finance will tell you what documents they want. Together Personal Finance will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Together Personal Finance will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
Transfer of Equity for Together Personal Finance
Please note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors