I am buying property in Moelfre. My lawyer has never been on on the lender solicitor list. Can I still use my Moelfre conveyancing solicitor notwithstanding that they are excluded from the mortgage company list of approved lawyers?
Various options include
- Proceed with your existing Moelfre lawyer but your lender will no doubt retain a property lawyer from their approved panel. This will result in additional charges and probable frustration.
- Choose a fresh property lawyer to conduct the conveyancing, obviously checking they are on the lender conveyancing panel.
- Appeal to your conveyancing practitioner to seek to join the lender panel
Please could you suggest a Barnsley Building Society sanctioned Moelfre conveyancing practice finish our home move within two weeks? Am I best advised to go for a high street Moelfre solicitor or a nationwide comparison site?
We can recommend some very good Moelfre conveyancing firms. You can also walk up the high street in Moelfre. Visit some well established firms and ask to see a conveyancing solicitor for a quote. Discuss your expectations together with your reasons and ask for an assurance on speed. Choose the lawyer that you trust.
We are expecting a mortgage offer soon. The bank mentioned the mortgage came with free conveyancing. Does this mean I have to use their panel conveyancer as I would much rather instruct a local conveyancing solicitor in Moelfre?
You should check but the chances are that appoint one of their panel lawyers should you take up the "fee-free" deal. Call the lender and determine if they allow a cash alternative. Some banks have previously offered a £250 cashback as an alternative in which case that money can go towards the cost for your conveyancing solicitor near Moelfre.
We previously chose conveyancers located in Moelfre on the Kent Reliance solicitor approved list. They are now charging me a further amount for handling the Kent Reliance mortgage. Is this an additional conveyancing fee specified by Kent Reliance?
Provided it is contained in their Terms of Engagement or estimate then yes your property lawyer can charge a fee for this. The fee is not set by Kent Reliance but by your Moelfre conveyancing practitioner. Plenty of firms on the Kent Reliance panel will quote an ‘acting for lender’ fee but plenty of firms incorporate it on their overall fee.
We have a mortgage agreed in principle with Clydesdale. Moelfre conveyancing practitioners are instructed. How long does it take for Clydesdale to forward the offer to the lawyer?
Some lenders take longer than others. Have Clydesdale done the survey? Have you advised Clydesdale as to your lawyers' details and checked that your lawyers are on the Clydesdale conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am due to exchange contracts on my apartment. I had a double glazing fitted in March 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Skipton are being problematic. The Moelfre solicitor who is on the Skipton conveyancing panel is saying indemnity insurance will be fine but Skipton are requiring a building regulation certificate. Why do Skipton have a conveyancing panel if they don't accept advice from them?
It is probably the case that Skipton have referred the matter to their valuer. The reason why Skipton may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
How does conveyancing in Moelfre differ for newly converted properties?
Most buyers of new build property in Moelfre approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is ready to move into. This is because new home sellers in Moelfre usually buy the land, 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 conveyancing solicitors 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 accustomed to new build conveyancing in Moelfre or who has acted in the same development.
My uncle has urged me to instruct his lawyers for conveyancing in Moelfre. Should I use them?
Much as we are happy to recommend a Moelfre conveyancing lawyer the ideal way to choose a conveyancing practitioner is to have referrals from friends or relatives who have actually previously instructed the firm that you are considering.