I am expecting a mortgage offer from Santander. I intend to use a Licensed Conveyancer in City of Darlington. Does the Santander Solicitor panel allow for Licensed Conveyancers?
The Santander approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
My lawyer has identified a defect with the lease for the property we are buying in City of Darlington. The seller’s lawyers have put forward defective title insurance as a solution. We are content with insurance and will pay for it. Our conveyancing practitioner says that he must be satisfied that the mortgage company is willing to move forward with this solution. Who is the client here, us or the bank?
The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the bank are the client. Your conveyancer must comply with the UK Finance Lenders’ Handbook requirements. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the mortgage company can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your solicitor will have no choice but to discontinue acting for you.
We are planning to acquire a house and need a conveyancing solicitor in City of Darlington who is on the Principality conveyancing panel. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Principality . We don't recommend any particular firms conducting conveyancing in City of Darlington.
My property lawyer in City of Darlington is not on the Chelsea Building Society Conveyancing Panel. Can I still use my prefered solicitor even though they are excluded from the Chelsea Building Society list of approved lawyers?
Your options are as follows:
- Carry on with your existing City of Darlington solicitors but Chelsea Building Society will need to use a conveyancer on their panel. This will result in additional overall conveyancing fees and result in frustration.
 - Choose an alternative solicitor to to deal with the purchase, remembering to check they are on the Chelsea Building Society panel
 
I am looking for a ground for flat up to £235,500 and found one round the corner in City of Darlington I like with a park and transport links nearby, the downside is that it only has 51 years unexpired on the lease. I can't really find anything else in City of Darlington suitable, so just wondered if I would be making a mistake purchasing a short lease?
If you need a home loan the shortness of the lease will be a potential deal breaker. Discount the offer by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the property for a minimum of twenty four months you may request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should speak to your conveyancing solicitor regarding this matter.
How easy is it to use your search app to get a fee calculation from a conveyancing solicitor in City of Darlington on the approved list for my lender?
First select a mortgage company such as Halifax, Skipton Building Society or Barclays Direct then choose your location for example City of Darlington. Conveyancing firms in City of Darlington and across England and Wales should be identified.