I am expecting a offer of a home loan from Halifax. I hope to employ the services of a Licensed Conveyancer in Greenford. Does the Halifax Conveyancing panel allow for Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Do the conveyancing lawyers identified via your search tool carry out conveyancing in Greenford by way of an attended exchange?
We do have a number of conveyancing experts who can conduct 24hr exchanges. Please e-mail us to receive a costs illustration and details as to availability.
When does exchange of contracts happen for sale conveyancing in Greenford and am I required to be at the conveyancers office?
If you are round the corner to our conveyancing solicitors in Greenford you are welcome to attend to sign the paperwork. That being said, the lender approved solicitors we recommend supply a national conveyancing service and give as equally diligent and professional a job for you when communicating with you by post or email. The executing of the contract is not the point of no return. A signed contract is just a prerequisite for the firm to officially exchange at the suitable time, which will usually be very shortly after signing. The exchange process is is usually a five minute process, although where an extended "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Greenford)to be in the office available at the end of the phone to exchange contracts.
We previously selected conveyancing lawyers located in Greenford on the Co-operative solicitor approved list. They are now charging me an additional fee for handling the Co-operative mortgage. Is this an additional conveyancing fee specified by Co-operative?
As unfair as it may appear, as long as it’s in their Terms and Conditions or estimate then yes your conveyancer is entitled to levy a fee for this. This charge is not set by Co-operative but by your Greenford conveyancer. Numerous firms on the Co-operative panel will quote ’dealing with mortgage’ fee but many firms incorporate it on their overall fee.
I can not fathom if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Greenford building society branch on a couple of occasions and was told it does not affect the mortgage offer and they would lend. My Greenford conveyancing solicitor - who is on the bank conveyancing panel- called to say that they would not lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
Provided that the property lawyer is on the bank approved list, she or he must comply with the Council of Mortgage Lenders’ Handbook requirements for the 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 left on the lease.
After months of negotiation I have agreed a price on a house in Greenford. My mortgage broker recommended their conveyancers. I paid an advanced payment of £200. A couple of days later, the conveyancing practitioner called me sheepishly admitting that they were not on the RBS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the RBS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
My husband and I are 17 days into a freehold purchase having been directed to solicitors by the local agent to carry out the conveyancing in Greenford. I am am very disappointed with the level of service. Can you you assist me in finding new solicitors?
A conveyancer would need to be really bad to suggest changing them. Has your mortgage offer been generated? In the event that it has you need to inform them of the new contact details and have the mortgage documents are issued to the new lawyers. The conveyancer needs to be on the banks approved list to avoid supplemental charges and delays. That should be your starting point. Our search tool should assist you in finding a lender approved lawyer for your conveyancing in Greenford
My wife and I have an offer in principle from Platform Home Loans Ltd who indicated we could borrow up to £350k. At what point do I need to appoint a practitioner for conveyancing? Greenford is where we plan to move to.
You can appoint a conveyancing practitioner now so that the property lawyer can open the file so they can conduct the ID checks etc. If and when you wish them to start work you will be asked for a deposit normally about £225. That should normally be once you have the mortgage offer and survey back, however if you want to expedite the process you can start sooner even though you may be risking some expense.