Me and my fiance are purchasing a 3 bedroom apartment in Kendal with a mortgage. We have a Kendal conveyancer, but the bank advise she’s not on their "panel". It seems we have no choice but to use one of the bank panel conveyancing practices or keep our Kendal solicitor as well as pay for one of their panel ones to act for them. We regard this is unjust; can we not demand that the mortgage company use our Kendal conveyancer ?
Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Kendal conveyancing solicitor to apply to be on the conveyancing panel.
Can the conveyancing solicitors via your comparison service conduct conveyancing in Kendal by way of an attended exchange?
We do have a number of conveyancing specialists carrying out personalised exchanges. Do e-mail us to receive a costs illustration and details as to dates.
I have recentlybeen informed that Stirling Law have been shut down. They conducted my conveyancing in Kendal for a purchase of a leasehold flat 9 months ago. How can I be sure that the property is not still registered in the name of the former proprietor?
The quickest method to see if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Kendal conveyancing specialists.
How does conveyancing in Kendal differ for new build properties?
Most buyers of new build residence in Kendal come to us having been asked by the builder to sign contracts and commit to the purchase even before the premises is ready to move into. This is because new home sellers in Kendal tend to buy 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 used to new build conveyancing in Kendal or who has acted in the same development.
I opted to have a survey carried out on a property in Kendal prior to instructing conveyancers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some banks may refuse to grant a loan on this type of house.
It depends who your proposed lender is. Lloyds has different requirements from Birmingham Midshires. If you call us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Kendal. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Kendal to see if the conveyancing will be more expensive.
My business partner and I are hoping to lease a unit on a shopping parade. Can you recommend lawyers offering fixed fees for non-domestic conveyancing in Kendal for less than £2000?
We are happy to recommend firms who have specialist knowledge of commercial conveyancing in Kendal, including the disposal and acquisition of businesses as well as simply premises. Whether you are hoping to acquire or dispose of a shop, pub, restaurant, office, retail premises or a whole business we will put you in touch with the right firm. Regarding the charges these will vary based on the structure and complexity of the proposed transaction. Let us have your details or email us so that we may furnish you with a fixed commercial conveyancing quote.