My wife and I are intent on acquiring property in Greenfield. My Conveyancer has never been on on the mortgage company solicitor list. Am I still permitted to use my Greenfield conveyancing solicitor even though they are excluded from the lender list of approved lawyers?
You must instruct a property lawyer to deal with the legal work required when you need a loan to buy your home. They will conduct all the appropriate investigations on the property, make sure that you will be properly registered as the owner and ensure that all the necessary mortgage paperwork is in order. You can select a Greenfield property lawyer of your choice. However, if the property lawyer selected is not a member of the lender solicitor panel further costs will be incurred as separate legal representation will be need by the mortgage company. Bank panel applications may be submitted, so if your conveyancer has not in the past sought membership they should do so.
We were just about to sign contracts for a freehold house in Greenfield. We have hit a snag. Our loan offer with Barclays expires on 3/12/2025 but the sellers are insisting on a completion date of 5/12/2025. Is it possible to prolong the loan offer?
The person best placed to deal with your question is your conveyancer who is in a position to determine whether they corresponding with the bank, owner’s representatives, estate agents or possibly all parties taking into account what has happend in your transaction to date.
I have paid off my mortgage with Bank of Ireland. I assume I don't need a Greenfield conveyancer on the Bank of Ireland panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Bank of Ireland mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Bank of Ireland mortgage from the register. Bank of Ireland, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Bank of Ireland has sent the Land Registry the discharge electronically, and
- Bank of Ireland has instructed the Land Registry to do so
I had an offer accepted on a house in Greenfield on 12/8/2025, valuation was booked 2 days later, received a clean bill of health. Property lawyer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to RBS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the RBS conveyancing panel. Are RBS entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for RBS to deal with your lawyer's application to be on the RBS conveyancing panel. There's no guarantee that your solicitor will be accepted.
I have finally had an offer on a flat in Greenfield agreed to, the sellers do nevertheless have an associated purchase. The owners have put an offer on a property, however it’s not yet agreed to, and have viewings of other flats in the pipeline. I have selected a nearby conveyancing solicitor in Greenfield. What do I do now? When do I get the mortgage application with Kent Reliance going?
It is normal to have anxieties where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is in the region of one thousand pounds, then valuation, Greenfield conveyancing search charges, etc). The first course of action is to ensure that your conveyancer is on the Kent Reliance approved list. Concerning the next steps this very much depends on the circumstances of your transaction, motivation for this property and on the state of the market. During a hot market many purchasers will apply for a home loan with Kent Reliance and arrange for the valuation and only if it comes back ok would they pay their solicitor to press on with the conveyancing in Greenfield.
I need some expedited conveyancing in Greenfield as I am faced with a deadline to sign on the dotted line within 4 weeks. A mortgage is not required. Can I decline from having conveyancing searches to save money and time?
If.Given you are are a mortgage free buyer you have the choice not to have searches conducted although no lawyer would suggest that you don't. Drawing on years of experience of conveyancing in Greenfield the following are instances of what can arise and therefore affect future mortgageability: Enforcement Notices, Overdue Charges, Outstanding Grants, Railway Schemes,...
How does conveyancing in Greenfield differ for new build properties?
Most buyers of new build premises in Greenfield approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is ready to move into. This is because builders in Greenfield tend to purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Greenfield or who has acted in the same development.
I have been sourcing a conveyancing lawyer in Greenfield for my house move. Is it possible to review a solicitor's record with the profession’s regulator?
Members of the public can find presented Solicitor Regulator Association (SRA) decisions stemming from investigations started on or after Jan 2008. Visit Check a solicitor's record. To find information about the period before 1 January 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, use +44 (0)121 329 6800. The SRA could monitor telephone calls for training requirements.