We hope to to purchase with Coventry BS. I popped in a couple of high street practices yet am unable to find a London conveyancing firm on the Coventry BS panel. Could you help?
You should take advantage of the find a conveyancing panel solicitor tool on this page. Please choose the lender and type London or your preferred area and you will be presented with numerous solicitors located in London or nearest you.
I am currently in the process of buying my council flat in London. I have a mortgage offer with Nottingham. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Nottingham, you will need to appoint a solicitor on the Nottingham conveyancing panel.
I currently have a mortgage with HSBC for my property in London. Conveyancing was finalised months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform HSBC?
You must advise HSBC in advance of renting your property as this is likely to be a breach of HSBC’s mortgage conditions. It may be that HSBC will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact HSBC directly. It should not be necessary to do this via a HSBC conveyancing panel firm.
Completion of my purchase has taken place for my property in London. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I've recently found out that there is a flying freehold issue on a property I put an offer in a fortnight ago in what was supposed to be a quick, chain free conveyancing. London is where the house is located. Is there any guidance you can give?
Flying freeholds in London are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in London you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in London may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
Is it simple use your search facility to locate a conveyancing solicitor in London on the panel for my bank?
Step one is to choose a mortgage company such as HSBC Bank, Coventry Building Society or Bank of Ireland then specify your location for instance London. Conveyancing firms in London and beyond should be listed.
My husband and I are a fortnight into a freehold purchase having been referred to a firm by the local agent to carry out the conveyancing in London. We are not happy. Could you help me find new lawyers?
A solicitor would have to be really poor in order to consider replacing them. Has your mortgage offer been sent? In the event that it has you must inform them of the new lawyer and get the offer are issued to the new lawyers. Your conveyancer should be on the banks panel to avoid added charges and frustration. So that should be your first question of the new lawyers. The find a solicitor tool can assist you in finding a lender approved lawyer for your home move in London
I need to change lawyers as my London lawyer is not on the mortgage company's approved list of conveyancing solicitors. Is it practical to instruct different lawyers?
In the event that you have not formally instructed a solicitor to start work and at this stage simply received an estimate as to costs, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer in London that you're considering.