Me and my partner are planning to acquire a 2 bedroom flat in Kettering with a mortgage. We have a Kettering lawyer, but the lender says he's not on their "panel". We have to appoint one of the lender panel firms or keep our Kettering property lawyer as well as pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?
No, not really. The mortgage offered to you 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. A further alternative is for your Kettering conveyancing solicitor to apply to be on the conveyancing panel.
We just had an offer accepted to purchase with Darlington Building Society. We have called around locally but am unable to find a Kettering conveyancing firm on the Darlington Building Society approved list. Can you help?
Please do take advantage of the find a conveyancing panel solicitor tool on this site. Pick the building society and type Kettering or your preferred area and you will see a number of lawyer based in Kettering or nearest you.
What does a local search reveal regarding the property we're purchasing in Kettering?
Kettering conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search company for instance Onsearch The local search plays a central part in most Kettering conveyancing purchase; as long as you don’t want any nasty surprises after you move into your property. The search will supply data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic headings.
The deeds to our property are lost. The conveyancers who did the conveyancing in Kettering 10 years ago have long since closed. What are my options?
You no longer need to hold title official documentation to prove you own the land or premises, given that the Land Registry hold details of all registered land or property electronically.
Given that I am about to part with 450k on a garden flat in Kettering I would like to have a conversation with the lawyer regarding thetransaction prior to giving the go ahead to the firm. Can this be arranged?
Absolutely - it is our preference to talk to you we do not take any clients on without you first talking to the lawyer who will be doing your property ownership legalities in Kettering.There is no ‘factory style conveyancing’ - each client is unique person, not a file reference. The practices that we put you in touch with believe that the figure you are quoted for residential conveyancing in Kettering should be the figure that you end up paying.
My husband and I are new on the property ladder - had an offer accepted, but the agent advised that the owners will only issue a contract if we instruct the agent's chosen conveyancers as they need a ‘quick sale’. Our preferred option is to instruct a family solicitor who is accustomed to conveyancing in Kettering
It is highly unlikely the vendors are behind this. Should the owner require ‘a quick sale', alienating a genuine buyer is going to damage their objectives. Bypass the agents and go straight to the owners and explain that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you wish to move quickly (e)but you are going to use your own,trusted Kettering conveyancing solicitors - rather thanthose that will provide the negotiator at the agency a referral fee or hit his conveyancing thresholds demanded by HQ.