Me and my fiance are buying a 2 bedroom flat in Ellesmere with a mortgage. We have a Ellesmere conveyancer, however the mortgage company advise he's not on their "panel". It appears that we have no option but to instruct one of the mortgage company panel solicitors or keep our Ellesmere property lawyer and pay for one of their panel firms to represent them. This seems very unfair; are we not able to demand that the lender use our Ellesmere lawyer ?
Unfortunately,no. Your mortgage offer 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. A further alternative is for your Ellesmere conveyancing lawyer to apply to be on the conveyancing panel.
Do lenders provide you with an approved list of Ellesmere conveyancing solicitors? How do you know who is on the Virgin Money conveyancing panel?
Ellesmere conveyancing firms themselves provide us confirmation that they are on the Virgin Money conveyancing panel as opposed to being supplied with a list from Virgin Money directly.
I am looking to buy a flat and need a conveyancing solicitor in Ellesmere who is on the Coventry Building Society solicitor. Could you point me in the right direction as regards a firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Coventry Building Society in certain locations such as Ellesmere. We dont recommend any particular firm.
Just had an offer accepted on a new build flat in Ellesmere. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Set out below are examples of a few leasehold new build questions that you may expect your new-build leasehold conveyancing in Ellesmere
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Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Please supply a car parking plan. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Forfeiture - bankruptcy or liquidation must not apply under this provision.
Due to the encouragement of my in-laws I had a survey completed on a property in Ellesmere before instructing solicitors. I have been advised that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies will refuse to give a mortgage on a flying freehold property.
It varies from the lender to lender. HSBC has different instructions for example to Birmingham Midshires. If you e-mail us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Ellesmere. Conveyancing will be smoother if you use a solicitor in Ellesmere especially if they are familiar with such properties in Ellesmere.
Taking into account that I am about to spend £400,000 on a two bedroom apartment in Ellesmere I would like to have a conversation with the conveyancer concerning theconveyancing prior to instructing the firm. Can this be arranged?
This is something that we encourage - we would be delighted to talk to you we do not take any clients on without you liaising with the conveyancer who will be doing your property ownership legalities in Ellesmere.There is no ‘factory style conveyancing’ - each client is unique person, not a case number. The solicitors that we put you in touch with believe that the figure you are provided with for your conveyancing in Ellesmere should be the amount on the final invoice that you end up paying.