My home in Brandon is up for sale and I have a buyer. Will the solicitor have to be required to be on the Clydesdale conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the Clydesdale conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently at the moment.
Does a directory service exist listing HSBC panel conveyancers in Brandon on the UK Finance Lenders’ Handbook Website?
No. There is no such directory service on the CML or Building Society Association sites. A small selection of lending institutions make their panel listings viewable on the web. Where you are seeking to appoint a Brandon lawyer on the HSBC please use our facility.
We had selected conveyancing lawyers with offices in Brandon on the Aldermore solicitor panel. They are now charging me a supplemental charge for handling the Aldermore mortgage. Is this a supplemental conveyancing fee set by Aldermore?
Provided it is contained in their Terms and Conditions or Quote then yes your conveyancer is entitled to levy a fee for this. The charge is not set by Aldermore but by your Brandon conveyancer. Some firms on the Aldermore panel will quote ’dealing with mortgage’ fee but many practices incorporate it on their overall fee.
Our offer on a property in Brandon has been agreed to, the vendors do however have a tied purchase. The sellers have offered on a property, but it’s not yet tied up, and are looking at other properties in the pipeline. I have instructed a local conveyancing solicitor in Brandon. What do I do now? When should I get the mortgage application with Yorkshire BS going?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then valuation, Brandon conveyancing search costs, etc). The first course of action is to ensure that your solicitor is on the Yorkshire BS conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for the property and on the state of the market. In a rising market the majority of buyers would apply for the mortgage with Yorkshire BS and arrange for the valuation and only if it comes back ok would they request their conveyancing practitioner to press on with searches.
Various online forums that I have come across warn that are a common cause of stalling in Brandon house deals. Is that correct?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not feature amongst the most frequent causes of delays in the conveyancing process. Local searches are unlikely to feature in any slowing down conveyancing in Brandon.
Are there restrictive covenants that are commonly identified as part of conveyancing in Brandon?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Brandon. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I have been sourcing a conveyancing practitioner in Brandon for my house move. Is it possible to check a firm’s complaints history with the legal regulator?
Anyone can read presented Solicitor Regulator Association (SRA) determinations arising from investigations commenced on or after Jan 2008. Go to Check a solicitor's record. To find details about the period before 1 January 2008, or to check a solicitors history, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, use +44 (0)121 329 6800. The regulator may monitor telephone calls for training purposes.
What can I do to establish who owns a house in Brandon?
On the basis that the property is recorded at HMLR, and you have the details of the location of the premises, you should be able to view results from the HMLR of the registered proprietor for a a minimal charge.