My wife and I are buying a 1 bedroom apartment in Cross Hands with a mortgage. We have a Cross Hands conveyancer, but the lender says he's not on their "panel". It appears that we have little choice but to appoint one of the bank panel conveyancing practices or continue with our Cross Hands conveyancing practitioner and pay for one of their panel firms to act for them. This seems very unfair; can we not demand that the mortgage company use our Cross Hands conveyancing practitioner ?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Cross Hands conveyancing solicitor to apply to be on the conveyancing panel.
Completed the sale of my flat in Cross Hands last December but the buyer keeps Skype messaging daily to moan that her conveyancer needs to hear from mine. What should my lawyer have done following completion?
After completion of your disposal your conveyancer is obliged to forward the transfer deeds and all supplemental paperwork to the purchaser's lawyers. Where appropriate, your conveyancer must also send confirmation that the mortgage has been paid off to the purchasers lawyers. There are no post completion tasks just for conveyancing in Cross Hands.
What is the optimum way to find out if the solicitor carrying out my conveyancing in Cross Hands is on the lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Leeds Building Society thus spending £192.00 in supplemental legal charges.
Feel free to take advantage of the find a conveyancing panel solicitor tool on this web page. Pick the mortgage company and type ‘Cross Hands’ or your location and you will discover a number of lawyer based in Cross Hands or near you.
I used Wolstenholmes several years past for my conveyancing in Cross Hands. Now, I need the documents however cannot find the solicitor. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Cross Hands of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I have been on the look out for a flat up to £235,500 and found one round the corner in Cross Hands I like with amenity areas and railway links nearby, however it only has 52 remaining years left on the lease. There is not much else in Cross Hands in this price bracket, so just wondered if I would be making a mistake acquiring a lease with such few years left?
If you require a mortgage the remaining unexpired lease term will be problematic. Discount the price by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the premises for at least twenty four months you may request that they commence the lease extension formalities and pass it to you. You can add 90 years to the current lease with a zero ground rent applied. You should speak to your conveyancing solicitor regarding this.
How much experience do your Cross Hands conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?
Cross Hands conveyancing lawyers help thousands of people move home every year and assisted plenty of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Cross Hands conveyancers have worked on recent similar matters.