My home in Kearsley is up for sale and I have a purchaser. Will the solicitor need to be required to be on the Kent Reliance conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the Kent Reliance conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their panel criteria fairly frequently in recent years.
I appreciate that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when acquiring a residence in Kearsley? or I am told that there is an ancient law that could mean that house owners living in a parish church boundary may be liable to pay for maintenance towards the chancel within the church. Is this applicable for conveyancing in Kearsley?
Unless a prior purchase of the premises took place after 12 October 2013 you could take it that lawyers handling conveyancing in Kearsley to continue to propose a a chancel search and or chancel repair liability insurance.
I opted to have a survey completed on a property in Kearsley ahead of instructing conveyancers. I have been advised that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies will not give a mortgage on such a property.
It varies from the lender to lender. HSBC has different requirements from Birmingham Midshires. If you call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Kearsley. Conveyancing may be slightly more expensive based on your lender's requirements.
What tools are available to search for a Kearsley law firm on the National Westminster Bank conveyancing panel? I have a car and am willing to travel upto 25kilometers to meet the lawyer.
You can use the tool on this website. Please select a mortgage company and your location and you will see a number of Kearsley conveyancing lawyers locally. We have listed some Kearsley conveyancing firms towards the end of this page and you can ring them to verify whether they are on the National Westminster Bank approved list
As co-executor for the estate of my grandfather I am selling a residence in Monmouth but reside in Kearsley. My solicitor (approximately 300 miles from mehas requested that I execute a stat dec before completion. Could you suggest a conveyancing solicitor in Kearsley who can witness and place their company stamp on the document?
strictly speaking you are unlikely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily any notary public or solicitor will be fine regardless of whether they are Kearsley based
My wife and I are purchasing a 2 bedroom flat in Kearsley. At the time of instructing our conveyancer, we were told they were on all mainstream lender panels. The financial adviser contacted us today to say that they are not on the Clydesdale approved list. Should that be true, what should we do? Should we simply choose a different property lawyer that is on their approved list or should we cover the costs for dual representation, with Clydesdale appointing their own preferred property lawyer.
When buying a property with the benefit of a mortgage it is usual for the buyer’s lawyers to also represent the mortgage company. In order to act for a bank or building society a solicitor has to be on that lender's list of approved lawyers. An application has to be made by the conveyancing practitioner to the lender to become a member of the lender's panel and there are increasingly strict conditions which the solicitor has to meet. Some mortgage companies now require their panel firms to be part of the Law Society’s Conveyancing Accreditation Scheme. Your conveyancer should call Clydesdale 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 don't have to instruct a firm on Clydesdale's conveyancing panel as you are at liberty to use your preferred Kearsley lawyers, in which case it will likely add costs, and it will likely delay the transaction as you are adding another lawyer into the equation.