My husband and I are buying a 3 bedroom flat in Bedale with a mortgage. We like our Bedale solicitor, however the lender says he's not on their "panel". We have to appoint one of the bank panel solicitors or keep our Bedale lawyer as well as pay for one of their panel ones to act for them. We regard this is inequitable; is there anything we can do?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the lender’s 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. A further alternative is for your Bedale conveyancing lawyer to apply to be on the conveyancing panel.
We are about to exchange contracts for a semi detached house in Bedale. We encountered a snag. The loan offer with Yorkshire Building Society runs out on 1/12/2025 but the vendors are insisting on a completion date of 3/12/2025. Is it possible to extend the mortgage offer?
The best person to address this question is your lawyer who is in a position to calculate if they should be discussing with the mortgage company, seller’s conveyancers, selling agents or possibly all three taking into account what has gone on in your conveyancing to date.
It is a dozen years since I purchased my house in Bedale. Conveyancing lawyers have recently been instructed on the sale but I am unable to locate the deeds. Will this jeopardise the sale?
You need not be too concerned. First the deeds may be kept by your mortgage company or they may be in the possession of the conveyancers who acted in your purchase. Secondly the chances are that the property will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers acquiring current official copies of the land registers. Almost all conveyancing in Bedale relates to registered property but in the rare situation where your home is not registered it is more tricky but is resolvable.
I am downsizing from our house in Bedale and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. A high street Bedale conveyancer would know that there is no such problem. For the life of me I don't know why the purchasers are using a factory type conveyancing practice as opposed to a conveyancing solicitor in Bedale. We have lived in Bedale for 5 years we know that this is a non issue. Do we get in touch with our local Authority to get confirmation that there is no issue.
It sounds as though you may have a conveyancing solicitor already. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
I am selling my house. My past solicitors have shut. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Bedale if that affects matters.
Do use our search tool to help you choose a solicitor for your conveyancing in Bedale. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes with a minimum of fuss.
We are 17 days into a leasehold purchase having been referred to conveyancers by the estate agent to handle our conveyancing in Bedale. I am not happy. Can you you assist me in finding new solicitors?
A conveyancer would have to be really bad to suggest diss instructing them. Has your loan offer been issued? In the event that it has you will need to make them aware of the new contact details and ensure the mortgage documents are issued to the new lawyers. Your new solicitor ideally needs to be on the mortgage company panel to avoid escalating charges and frustration. That should be your starting point. The search tool will help you find a lender approved lawyer for your conveyancing in Bedale