The Catterick Garrison conveyancing firm handling our Catterick Garrison conveyancing has discovered an inconsistency between the information in the valuation report and what is in the legal papers for the property. My lawyer informs me that he must check that the lender is happy with this discrepancy and is still content to lend. Is my lawyer’s stance appropriate?
Your property lawyer must comply with the UK Finance Lenders’ Handbook requirements which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Can your site be used to recommend a Conveyancing solicitor in Catterick Garrison even if I’m not purchasing or disposing of a house, for example if I intend to buy a shop in Catterick Garrison with a loan from National Westminster Bank?
Our search tool is mainly utilised to find domestic conveyancing solicitors in Catterick Garrison but we have listed at the bottom of this page some Catterick Garrison commercial conveyancing firms. You should make contact with the firm directly to check if they are also authorised to represent National Westminster Bank
Do the Building Society Association intend to launch a searchable register to list firms on the Darlington Building Society conveyancing panel for example in Catterick Garrison?
We are not aware of any intention on the part of the BSA to develop such a search facility.
Can you point me to a directory of Coventry BS panel conveyancers in Catterick Garrison on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of lenders make their panel listings open the public online. Where you are in need of a Catterick Garrison conveyancing practitioner on the Coventry BS please make the most of our facility.
I have today made my last payment due on my mortgage with UBS. I assume I don't need a Catterick Garrison conveyancing practitioner on the UBS panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
Having read lots of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Catterick Garrison solicitor - who is on the Leeds Building Society conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Leeds Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Leeds Building Society will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Catterick Garrison postcode. As you are getting a mortgage with Leeds Building Society, you could contact them to see if they have a list of approved surveyors in Catterick Garrison.
Am I right to be suspicious about estate agents that I am dealing with are suggesting a web based conveyancing firm as opposed to a local Catterick Garrison conveyancing firm?
As is the case with lots of service providers, often referrals from family and friends can be most helpful. Yet there are many people with a vested interest in a conveyancing deal; estate agents, financial adviser and lenders might all suggest lawyers to appoint. Sometimes these solicitors might be known to one of the organisations as being good in their field, but occasionally there behind the scenes commercial relationship behind the endorsement. You are free to choose your preferred lawyer. However, bear in mind that many banks operate an approved list of conveyancers you have to use for the mortgage aspect of your conveyancing.
Should I use a Catterick Garrison conveyancing lawyer in close proximity to the house I am purchasing? I have an old university friend who can perform the legal formalities however his firm is located 300kilometers drive away.
The primary upside of using a local Catterick Garrison conveyancing practice is that you can visit the firm to execute documents, deliver your identification documents and apply pressure on them if necessary. They will also have local knowledge which is a bonus. That being said nothing is more important than finding someone that will pull out all the stops for you. If you know people who instructed your friend and on the whole were content that must outweigh using an unfamiliar Catterick Garrison conveyancing solicitor solely due to them being round the corner.