My husband and I are looking to acquire a home in Clayhall and have instructed a Clayhall conveyancing firm. Within the past 48 hours our solicitor has sent a preliminary report and documents to look through with a view to exchanging next week. Skipton Building Society have this morning contacted us to advise us that they have now hit a problem as our Clayhall lawyer is not on their approved list of lawyers. Please explain?
When purchasing a property with the benefit of a mortgage it is usual for the purchasers' lawyers to also act for the mortgage company. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your property lawyer should contact your lender and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You don't have to instruct a firm on the bank's conveyancing panel as you are at liberty to use your preferred Clayhall lawyers, in which case your legal fees may increase, and it may delay matters as you have another set of people involved.
We were just about to sign contracts for a ground floor flat in Clayhall. We have hit a snag. Our mortgage offer with Accord Mortgages Ltd expires on 27/10/2025 but the owners are insisting on a completion date of 29/10/2025. Can one extend the mortgage expiry date?
The best person to address this question is your lawyer who will hopefully assess if they should be discussing with the mortgage broker, vendor’s conveyancers, estate agents or possibly all parties given the history of your house move as of today.
My brother-in-law has suggested I instruct a conveyancing solicitor in Clayhall. I I would like to check if they are accepted on the Halifax approved list of lawyers. Could you help?
The first thing you should do is e-mail the solicitor and ask them if they are on the lender panel. Otherwise you can get in touch with Halifax who may be able to help.
Due to the input of my in-laws I had a survey completed on a property in Clayhall ahead of instructing solicitors. I have been informed that there is a flying freehold aspect to the property. Our surveyor has said that some lenders may refuse to give a mortgage on such a property.
It depends who your proposed lender is. HSBC has different instructions from Nationwide. Should you wish to call us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Clayhall. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Clayhall to see if the conveyancing will be more expensive.
What does commercial conveyancing in Clayhall cover?
Clayhall conveyancing for business premises incorporates a wide range of advice, offered by regulated solicitors, relating to business premises. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.
My partner has urged me to instruct his conveyancing solicitors in Clayhall. Do I follow his advice?
There are no two ways about it it’s preferable to select a conveyancing solicitor is to get guidance from friends or relatives who have actually used the conveyancer that you are are thinking of instructing.