I am obtaining a mortgage with Santander. I hope to enlist the help of a Licensed Conveyancer in Cirencester. Does the Santander Solicitor panel allow for conveyancers regulated by the CLC?
The Santander conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
The Cirencester conveyancing solicitors that just started acting on my purchase in Cirencester have without warning shut down. They were on acting for me because I had to have a firm on the Co-operative conveyancing panel and my family Cirencester lawyer was not. I cut them a cheque for £250 in advance. What are my options?
If you have an estate agent involved then let them know immediately so that they advise the vendors that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Co-operative conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers may be able to help.
A colleague pointed out to me me that in buying a property in Cirencester there may be various restrictions prohibiting external changes to the property. Is this right?
There are a number of properties in Cirencester which have some sort of restriction or requirement of consent to execute external changes. Part of the conveyancing in Cirencester should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Intending to buy a maisonette in Cirencester. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the RBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Cirencester conveyancing practitioner is on the RBS conveyancing panel.
Clydesdale have agreed my mortgage in principle, my offer on a flat in Cirencester has been agreed to, now what?
Your property agent will want to know who your solicitors are (make sure the solicitors are on the lender’s panel). Call up Clydesdale or the financial adviser and complete any outstanding forms. Clydesdale will appoint a valuer who will get in touch with the selling agent or owners to book an appointment. Once conducted (assuming no problems) it takes on average a fortnight to receive the mortgage offer. Clydesdale will send the offer to you and your solicitors. The legal work will then take it’s course according the nature and complexity of the conveyancing in Cirencester.
We are buying a property and the conveyancer has raised the issue of Chancel Repair to which the property may be obligated to contribute to given it’s proximity to the area of such a church. She has suggested insurance. Is this really warranted for conveyancing in Cirencester
Unless a previous purchase of the premises completed after 12 October 2013 you can expect conveyancing practitioners handling conveyancing in Cirencester to remain recommending a chancel search and or insurance against a claim.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Cirencester?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Cirencester. 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…’
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the lender conveyancing panel. My lawyer has said that they are on the bank approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the bank conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the mortgage company solicitor panel.