My wife and I are purchasing a 3 bedroom apartment in Brandon with a mortgage. We like our Brandon lawyer, however the mortgage company advise he's not on their "panel". It seems we have no option but to appoint one of the bank panel conveyancing practices or continue with our Brandon property lawyer and pay for one of their panel lawyers to represent them. We consider that this is inequitable; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’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. Another option that might be available is for your Brandon conveyancing lawyer to apply to be on the conveyancing panel.
It is a dozen years since I purchased my home in Brandon. Conveyancing lawyers have just been instructed on the sale but I can't find my deeds. Will this cause complications?
Don’t worry too much. Firstly the deeds may be with your lender or they could be archived with the conveyancers who oversaw your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring current official copies of the land registers. The vast majority of conveyancing in Brandon involves registered property but in the unlikely event that your property is unregistered it is more problematic but is not insurmountable.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Brandon?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing 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…’
Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what should have been a quick, no chain conveyancing. Brandon is where the house is located. Can you offer any opinion?
Flying freeholds in Brandon are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Brandon you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Brandon may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
Hoping to buy a property located in Brandon and I am already nervous. I couldn't find anything specific about Brandon. Conveyancing will be needed in due course but do you know about the Brandon area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Brandon. In the meantime here are some basic statistics that we found
I have been sourcing a conveyancing lawyer in Brandon for my house move. Can I see a firm’s complaints history with the profession’s regulator?
Members of the public may find presented Solicitor Regulator Association (SRA) determinations arising from investigations from 2008 onwards. Visit Check a solicitor's record. For records about the period before 1 January 2008, or to check a firm's record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, dial +44 (0)121 329 6800. The SRA sometimes monitor telephone calls for training purposes.