I have just been advised by my estate agent that my Hamworthy solicitor is not on the mortgage company Conveyancing panel. What can I do to be certain whether this is indeed the case?
The best course of action for you to take is to contact your Hamworthy conveyancer. You lawyer should notify you of the situation. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
Can I use your services to find a Conveyancing solicitor in Hamworthy even if I’m not buying or disposing of a house, for instance where I want to buy an office in Hamworthy with a loan from Yorkshire Building Society?
Our search tool is mainly there to get a quote from residential conveyancing solicitors in Hamworthy but we have set out towards the bottom of this page a selection of Hamworthy commercial conveyancing firms. You will need to enquire with the solicitors directly to establish if they are also authorised to represent Yorkshire Building Society
My grandmother passed away last year and as sole heir and executor I was left the house in Hamworthy. The house had a small mortgage remaining of approximately £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Coventry BS, pay off the mortgage. Is this allowed?
Given you plan to refinance then Coventry BS will insist on your using a conveyancer on the Coventry BS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Coventry BS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Coventry BS mortgage is registered as a charge at the Land Registry.
When it comes to lenders such as HSBC, do Hamworthy lawyers face a fee to be on the list of approved solicitors?
We are unaware of any bank fees to register on their panel, although some do levy an administration fee to deal with the processing of the conveyancing panel application.
We have agreed to purchase a house in Hamworthy. A rare aspect is that the roof has a solar panel. Nationwide have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with Nationwide your lawyer must comply with the conveyancing instructions contained in Section two of UK Finance Lenders’ Handbook for Nationwide. The CML Handbook includes minimum specifications for solar panel roof-space leases, and conveyancers are required to report to Nationwide where a lease fails to satisfy these conditions. The requirements relate to the installation of panels on properties nationwide and is not limited to Hamworthy.
Completion of my remortgage has taken place for my property in Hamworthy. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
We are downsizing from our house in Hamworthy and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any local conveyancer would know this is not the case. For the life of me I don't know why the buyers are using an online conveyancing firm as opposed to a conveyancing solicitor in Hamworthy. Having lived in Hamworthy for 5 years we know of no issue. Is it a good idea to get in touch with our local Authority to obtain confirmation that there is no issue.
It sounds as though you may have a conveyancing lawyer currently acting for you. Are they able to advise? You should 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 life insurance to cover that same ailment)
Is it possible to swap solicitor as I have to find a firm on the Godiva Mortgages Ltd conveyancing list. I instructed a high street conveyancing solicitor in Hamworthy round the corner but she is not accepted by Godiva Mortgages Ltd
We will our best to assist in finding you a conveyancing solicitor in Hamworthy on the Godiva Mortgages Ltd panel. Please note that the conveyancers that we work with do not pay us fee if you instruct them and are fully regulated by the SRA who regulate all conveyancing solicitors in Hamworthy. Using search facility on this site, you can scrutinise costs for conveyancing solicitors in Hamworthy and beyond.