What is the optimum way to check that the solicitor carrying out my conveyancing in Droitwich Spa is on the mortgage lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Coventry Building Society thus spending £187.00 plus VAT in further conveyancing charges.
You should make use of the search tool on this web page. Pick the mortgage company and type ‘Droitwich Spa’ or your preferred area and you will be presented with a number of lawyer offices in Droitwich Spa or near you.
Is there a list of Principality panel solicitors in Droitwich Spa 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 lending institutions make their panel listings open the public on the web. If you are seeking to appoint a Droitwich Spa lawyer on the Principality please use our tool.
I'm in the process of looking at flats in Droitwich Spa and I am now considering a potential offer. Should I already have a conveyancing practitioner in place at this stage? I intend to finance via a home loan with Kent Reliance.
It would be sensible to commence your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the EA. As you are obtaining a mortgage with Kent Reliance, make sure you remember to check that your lawyer is on the Kent Reliance conveyancing panel.
It is not clear whether my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Droitwich Spa building society branch on a couple of occasions and was told they are content with the situation and they will lend. My Droitwich Spa conveyancing solicitor - who is on the lender conveyancing panel- telephoned to say that they refuse to lend in accordance with their specific requirements. Who do I believe?
The lawyer has to comply with the CML Handbook Part 2 provisions for your bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
I used Stirling Law a few years ago for my conveyancing in Droitwich Spa. Now, I need the documents however the law firm has closed. What do I do?
You should call 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 Droitwich Spa of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the advice of my in-laws I had a survey completed on a house in Droitwich Spa prior to appointing solicitors. I have been informed that there is a flying freehold aspect to the property. The surveyor has said that some banks may refuse to issue a mortgage on such a property.
It depends who your proposed lender is. HSBC has different requirements from Halifax. If you contact us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Droitwich Spa. Conveyancing will be smoother if you use a solicitor in Droitwich Spa especially if they regularly deal with such properties in Droitwich Spa.
I was advised by a few selling agents in Droitwich Spa to find a solicitor on your site. What’s the financial incentive for Estate Agents to recommend your services rather than a competitor’s?
We don’t make any referral fee for directing people our way. We found it would be just too difficult to pay a commission because members of the public would think, ‘How come the agent getting a kickback? Why aren’t I getting any benefit too?’ We would prefer to grow our business on genuine recommendations.
Our lawyer in Droitwich Spa is asking me for identification documents saying that this is part of his legal duty as a conveyancer on the bank Conveyancing panel. Can this be correct?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offence if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage, your lawyer also has to check ID documents to satisfy the bank. This is not unique to conveyancing in Droitwich Spa