My mortgage broker has requested my Chester lawyer’ panel member for the Nationwide conveyancing panel. What is the best way to find this out. I have e-mailed my local Chester branch but they don't know it.
Have you tried speaking to your Chester lawyer about this?. They maintain a central record lender panel numbers.
I have given 8 weeks notice to my current landlord and have to be out of my let out apartment in Chester by 22/5/2025. Conveyancing for my house purchase has just started. Can I complete in six weeks as I wish to avoid having to move into temporary accommodation?
Generally one should not provide notice on a rental unless your lawyer suggests that you should. If you have not previously done so, update to your conveyancer and request that they apply pressure on the sellers side, try to an agreed time frame that all parties will look to achieve
What happens if my solicitor is expelled from the Barclays Solicitor panel ahead of completing my conveyancing in Chester?
First, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have to instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by a regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
Is it the case that all Chester CQS (Conveyancing Quality Scheme) solicitors are on the Nationwide conveyancing list of approved solicitors?
A selection of lenders now use the accreditation scheme as the kick off point for Panel approval such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitors wishing to remain on their panels.
I have today made my last payment due on my mortgage with Kent Reliance. I assume I don't need a Chester conveyancing practitioner on the Kent Reliance panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Kent Reliance 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 Kent Reliance mortgage from the register. Kent Reliance, 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 Kent Reliance has sent the Land Registry the discharge electronically, and
- Kent Reliance has instructed the Land Registry to do so
My sealed bid on a property in Chester has been agreed to, but there is a chain. The owners have offered on a flat, but it’s not yet tied up, and are looking at other flats booked. I have selected a high street conveyancing solicitor in Chester. What should be my next step? At what stage do I apply for the mortgage with TSB?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is in the region of £1k, then valuation, Chester conveyancing search costs, etc). First, you should check that your conveyancer is on the TSB conveyancing panel. Concerning the next steps this very much depends on the circumstances of your case, desire for this property and on the state of the market. During a hot market some home buyers will apply for a home loan with TSB and pay for the valuation and only if it comes back ok would they pay their conveyancer to proceed with searches.
It has been 3 months following my purchase conveyancing in Chester concluded. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
We are in the process of selling our flat in Chester. Conveyancing is fine but we are being charged an extortionate amount from the landlord. To date we have forked out £225 for a leasehold management information and then a further £117.20 for supplemental queries raised by the purchaser's property lawyer.
Neither you or your conveyancing practitioner will have any control over the extent of the fee for this information but the average costs for the information for Chester leasehold property is £350. When it comes to Chester conveyancing transactions it is customary for the owner to pay for these costs. The freeholder or their agents are under no legal obligation to answer such questions most will agree to do so - albeit often at high prices where the fees bear little relation to the work involved. Regretfully there is no statute that requires capped fees for administrative tasks. Nor is there any set time limit by which they are required to provide the information.