Is the fact that my solicitor in Downton is not listed on my mortgage company's conveyancing panel that there is a problem with the quality of the firm’s conveyancing?
It would not be wise to jump to that conclusion. There are all sorts of perfectly reasonable explanations. Just recently a report by the solicitors regulator indicated that over three quarters of law firms surveyed had been removed from at least one lender panel. The top 5 reasons are as follows: (1) lack of transactions (2) the solicitor is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. Where you are concerned you should simply call the Downton conveyancing practice and enquire why they are no longer on the approved list for your mortgage company.
I have an AIP. The bank mentioned the mortgage came with free conveyancing. Is the implication that I have to instruct their panel lawyer as I would much rather appoint a Downton based conveyancing firm?
You should check but the chances are that give you one of their panel lawyers if you want the "fee-free" deal. Speak to the lender and see if they offer you a cash alternative. In the past a few lenders offered a £250 cashback as an alternative in which case that money can go towards your preferred conveyancing solicitor near Downton.
There are numerous conveyancing solicitors in Downton but how do I know who's good?
We would encourage you not to go for the cheapest Downton conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
Is there a list of Santander panel conveyancers in Downton on the Building Society Association’s Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. Very few mortgage companies make their panel listings open the public over the internet. If you are in need of a Downton lawyer on the Santander please make the most of our tool.
My fiancee and I are in the throws of viewing apartments in Downton and I am now considering a potential offer. Is it too early to have a solicitor in place? I intend to finance via a home loan with HSBC.
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the estate agent. Given that you are obtaining a mortgage with HSBC, make sure you remember to check that your lawyer is on the HSBC conveyancing panel.
Due to the input of my in-laws I had a survey completed on a house in Downton ahead of appointing conveyancers. I have been advised that there is a flying freehold overhang to the property. My surveyor has said that some mortgage companies may not grant a mortgage on this type of property.
It varies from the lender to lender. HSBC has different instructions from Nationwide. Should you wish to call us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Downton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Downton to see if the conveyancing will be more expensive.
In what way does the Landlord & Tenant Act 1954 affect my business premises in Downton and how can your lawyers assist?
The 1954 Act affords security of tenure to business lessees, giving them the right to make a request to court for a renewal lease and continue in occupation at the end of an expired lease. There are limited grounds that a landlord can refrain from granting a lease renewal and the rules are complex. Fees are different for commercial conveyancing. Downton is one of our hundreds of areas of the UK in which the firms we work with are based
In my capacity as executor for the will of my father I am selling a property in Swansea but I am based in Downton. My lawyer (who is 260 miles awayrequires that I execute a statutory declaration prior to completion. Could you suggest a conveyancing lawyer in Downton to attest and place their company stamp on the document?
strictly speaking you are unlikely to be required to have the documents attested by a conveyancing solicitor. Normally any notary public or qualified solicitor will be fine regardless of whether they are Downton based