My fiance and I are planning to buy a property in Emsworth and are in fact using a Emsworth conveyancing practice. Within the last couple of days our conveyancer has sent a preliminary report and documents to look through in anticipation of exchanging contracts shortly. The Mortgage Works have this evening contacted us to inform me that they have now hit a problem as our Emsworth solicitor is not on their conveyancing panel. What do we do from here?
When purchasing a property with mortgage finance it is standard for the purchasers' solicitors 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 Accreditation Scheme. Your property lawyer should contact your bank 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 are not legally obliged to appoint a law firm on the lender’s conveyancing panel and you may continue to use your own Emsworth solicitors, in which case it will likely add costs, and it may delay matters as you are adding another lawyer into the mix.
It is 10 years ago since I bought my home in Emsworth. Conveyancing lawyers have just been retained on the sale but I am unable to track down the title deeds. Will this jeopardise the sale?
Don’t worry too much. First the deeds may be retained by your mortgage company or they may stored with the solicitor who oversaw your purchase. Secondly the chances are that the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Almost all conveyancing in Emsworth relates to registered property but in the rare situation where your home is unregistered it adds to the complexity but is resolvable.
I am assisting my sister sell her property in Emsworth. Does the conveyancer commission the energy performance certificate or it is for the owner to see to?
Following the abolition of Home Packs, EPC’s was retained a required component of selling a house. An energy performance certificate needs to be to hand in advance of the property being marketed. This is not something that solicitors ordinarily organise. If you are instructing a Emsworth conveyancing practitioner they might be able to arrange energy performance certificates given their relationships with reputable Emsworth energy assessors
Is there a list of RBS panel solicitors in Emsworth on the Council of Mortgage Lender’s Website?
No. There is no such facility on the CML or Building Society Association sites. A small selection of banks make their panel listings visible on the web. Where you are seeking to appoint a Emsworth property lawyer on the RBS please use our tool.
Last month we had a mortgage agreed in principle with Kent Reliance. Emsworth conveyancing practitioners have been chosen. How long does it take for Kent Reliance to send the offer to the lawyer?
There is no definitive answer here. Have Kent Reliance done the survey? Have you advised Kent Reliance as to your lawyers' details and checked that your lawyers are on the Kent Reliance conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
My partner and I are close to exchanging contracts on the sale of our house in Emsworth and the buyers lawyers are claiming that there is a risk of it being built on contaminated land. Any local conveyancer would know this is not the case. It does beg the question why the buyers instructed an online conveyancing firm as opposed to a conveyancing solicitor in Emsworth. We have lived in Emsworth for six years we know of no issue. Do we get in touch with our local Authority to seek clarification that the buyers are looking for.
It sounds as though you may have a conveyancing solicitor already. What do they say? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
What tools are available to identify a Emsworth solicitor on the National Westminster Bank conveyancing panel? I am a keen cyclist and am happy to travel upto 25miles to meet the conveyancer.
You can use the facility on this page. Please select a mortgage company and your location and you will see a number of Emsworth conveyancing lawyers located nearest you. We have listed some Emsworth conveyancing firms at the bottom of this page and you can call them to check whether they are on the National Westminster Bank approved list
My uncle has suggested that I use his conveyancing solicitors in Emsworth. Do I take his guidance?
There are no two ways about it it’s preferable to find a conveyancing lawyer is to get recommendations from friends or relatives who have actually used the conveyancer that you are contemplating using.