My husband and I are buying a 1 bedroom flat in Brown Edge with a mortgage. We wish to retain our Brown Edge solicitor, but the mortgage company advise he's not on their "panel". It seems we have no option but to appoint one of the lender panel firms or continue with our Brown Edge lawyer and pay for one of their panel lawyers to represent them. We consider that this is inequitable; are we not able to insist that the lender use our Brown Edge conveyancing practitioner ?
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. A further alternative is for your Brown Edge conveyancing lawyer to apply to be on the conveyancing panel.
Finally the sale completed on my house in Brown Edge last August yet the purchaser is Skype messaging daily to moan that her solicitor is waiting to hear from mine. What should have happened now that I have sold?
Following your disposal your solicitor should send the transfer documentation and all of the paperwork to the buyer’s lawyers. Depending on the transaction, your lawyer should also confirm that the mortgage has been paid off to the purchasers lawyers. There are no post completion formalities just for conveyancing in Brown Edge.
I am purchasing a semi-detached house in Brown Edge. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Brown Edge you will have to appoint a solicitor on your mortgage company's 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 be made in you doing 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 your lender panel in Brown Edge.
My colleague suggested that if I am buying in Brown Edge I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is usually included in the estimate for your Brown Edge conveyancing searches. It is a large report of more than thirty pages, listing and setting out significant information about Brown Edge around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Brown Edge Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Brown Edge Education with plans and statistics, Local Amenities and other useful data concerning Brown Edge.
I used Wolstenholmes a few years past for my conveyancing in Brown Edge. I now require my file however the law firm has closed. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Brown Edge of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the guidance of my in-laws I had a survey completed on a property in Brown Edge in advance of retaining solicitors. I have been informed that there is a flying freehold overhang to the house. My surveyor advised that some lenders will refuse to issue a loan on a flying freehold premises.
It depends who your proposed lender is. Lloyds has different instructions for example to Nationwide. Should you wish to telephone us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Brown Edge. Conveyancing may be slightly more expensive based on your lender's requirements.