Much to our surprise we have been informed by our mortgage broker that my Lightwater solicitor is not on the lender Solicitor panel. What can I do to check?
Your first step should be to contact your Lightwater conveyancer. It is reasonable to expect your lawyer to notify you what has happened. If they are not on the panel they may recommend you to a Lightwater conveyancing practice that is on the approved list of lawyers for your bank.
We see that you have a post code search directory listing firms on the Principality conveyancing panel. Do firms pay you a referral fee if I appoint them for our conveyancing in Lightwater?
We are a listing service only for law firms wishing to communicate if they are on the Principality conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Lightwater.
There are a variety of conveyancing solicitors in Lightwater but how do I know who's good?
It would be unwise to be seduced by the cheapest Lightwater conveyancing costs illustration. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
My conveyancer has informed me that defective lease insurance is necessary on my purchase. What is the level of cover for Lightwater conveyancing?
The appropriate level of defective lease indemnity insurance depends on who your lender is. It would differ for example between Barclays and Skipton Building Society. Conveyancing solicitors as opposed to borrowers take out such policies.
Completion of my remortgage has taken place for my property in Lightwater. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
What can a local search tell me about the house my wife and I buying in Lightwater?
Lightwater conveyancing often starts with the ordering local authority searches directly from your local Authority or through a personal search company for instance Searches UK The local search plays an important role in most Lightwater conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your new home. The search should provide information on, amongst other things, details on planning applications relevant to the premises (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 13 topic sections.
What is different about your site and other internet conveyancing solicitors when it comes to conveyancing in Lightwater?
At this site secure an accurate quote via a Solicitor or Licensed Conveyancer that appreciates the nuances of your conveyancing in Lightwater. As opposed to estate agents and many comparison sites we are not in the business of charging firms a fee if you choose them for your conveyancing in Lightwater
Me and my partner are buying a three bedroom maisonettein Lightwater with a residential mortgage from a bank. We have a conveyancer in Lightwater but our mortgage company advise she’s not listed on their "panel". We have to appoint one of the our bank panel firms or keep our Lightwater conveyancer and incur the extra fees for one of their panel ones to represent our mortgage company. This seems very unfair; Can we not simply insist that our lender use our Lightwater lawyer?
Unfortunately,no. The bank mortgage offered to you is subject to its terms and conditions, one of which will be that solicitors will on the lender's conveyancing panel. in the past, most banks had open panels, including many conveyancing solicitors in Lightwater : a mortgagee 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 solicitors to apply to be on the conveyancing panel for your bank.