It has come to my attention via my mortgage broker that my Esher the law firm I have appointed is not on the bank Solicitor panel. What can I do to be certain whether this is indeed the case?
Your first step should be to call your Esher conveyancer. It is reasonable to expect your lawyer to notify you of the situation. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your bank.
When can the exchange of contracts occur in sale conveyancing in Esher and do I need to be at the solicitors office?
Where you are round the corner to one of the conveyancing solicitors in Esher you are invited in to sign the paperwork. However, the lender approved solicitors we work with provide countrywide coverage for conveyancing and give as equally detailed and professional a job for you when dealing with you by post or email. The signing of the property agreement is not the point of no return. A signed contract is necessary for the solicitor to officially exchange when the time is right, which will usually be very shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where a long "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Esher)to be in the office at the appropriate time.
When it comes to mortgage companies such as Nottingham, do Esher property lawyers face a yearly amount to be on the conveyancing panel?
We are not aware of any bank fees to register on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
My partner and I are spending time viewing apartments in Esher and I am about to put in an offer. Is it best to have a conveyancer on ‘stand by’? I intend to finance via a mortgage with Santander.
It would be sensible to commence your search sooner rather than later. 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 selling agent. Given that you are getting a mortgage with Santander, make sure you remember to check that your lawyer is on the Santander conveyancing panel.
The formalities of my remortgage has taken place for my property in Esher. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. We understand that complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I understand that there are debates on Chancel Insurance on online forums. Am I compelled to have this when purchasing a residence in Esher? or Apparently there is an ancient law that means some homeowners residing in a parish church boundary will be compelled to contribute towards maintenance to the chancel in proximity to the church. Is this appropriate for conveyancing in Esher?
Unless a previous acquisition of the premises took place after 12 October 2013 you could expect lawyers delivering conveyancing in Esher to remain encouraging a chancel search and or chancel repair liability insurance.
I have been advised by numerous estate agents in Esher to locate a solicitor on your site. Is there a financial advantage for Estate Agents to recommend your services over a competitor’s?
We refuse to give any referral fee for sending work to this site. We thought it would be too underhand to pay a commission as a client could think, ‘How come the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.
Am I better off to go with a Esher conveyancing solicitor based in the area that I am purchasing? I have an old university friend who can execute the legal work but his firm is located a couple of hundredmiles drive away.
The benefit of a local Esher conveyancing practice is that you can attend the office to execute documents, present your ID and apply pressure on them if necessary. They will also have local intelligence which is a benefit. That being said nothing is more important than finding someone that will pull out all the stops for you. If other friends have instructed your friend and on the whole were happy that should surpass using an unfamiliar Esher conveyancing solicitor solely due to them being based in the area.