I am obtaining a mortgage with Halifax. I hope to employ the services of a Licensed Conveyancer in Benson. Does the Halifax Solicitor panel include conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
Can you vouch for a Accord Mortgages Ltd accepted Benson conveyancing lawyer that can complete within 10 days? Would it be better to use a high street Benson conveyancer or a national firm?
We can recommend some very good Benson conveyancing firms. Another option is to visit the high street in Benson. Visit some well established law practices and request to speak with a conveyancing solicitor for a fee estimate. Mention your expectations together with your reasons and get a commitment on speed. Appoint the lawyer that appears most efficient.
My husband and I wish to acquire a newly converted flat in Benson with a residential mortgage from Chelsea Building Society.We use our Benson conveyancing solicitor but Chelsea Building Society says his firm is not on their approved list of firms. It seems we are left with no choice but to instruct a Chelsea Building Society panel lawyer or keep our preferred solicitor and pay for a Chelsea Building Society panel lawyer to represent them. We feel as though this is unjust; Can we not simply insist that Chelsea Building Society use our lawyer?
No, not really. The mortgage issued to you is subject to its various provisions, one of which will be that lawyers will be on the Chelsea Building Society solicitor panel. in the past, 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 lawyer to apply to be on the conveyancing panel for Chelsea Building Society
My partner and I are selling our house in Benson and according to the buyers it appears that there is a risk of it being constructed on contaminated land. Any local lawyer would know this is not the case. For the life of me I don't know why the purchasers used a factory type conveyancing outfit rather than a conveyancing solicitor in Benson. Having lived in Benson for 4 years we know that this is a non issue. Do we contact our local Authority to obtain clarification that the buyers are looking for.
It would appear that you have a conveyancing lawyer currently acting for you. What do they say? You should check with 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 life insurance to cover that same sickness)
How does conveyancing in Benson differ for new build properties?
Most buyers of new build premises in Benson contact us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is constructed. This is because developers in Benson usually acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Benson or who has acted in the same development.
Due to the encouragement of my in-laws I had a survey completed on a house in Benson prior to appointing solicitors. I have been told that there is a flying freehold aspect to the property. The surveyor advised that some lenders may refuse to grant a loan on such a premises.
It varies from the lender to lender. Bank of Scotland has different instructions from Halifax. If you e-mail us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Benson. Conveyancing may be slightly more expensive based on your lender's requirements.