I am purchasing a ground floor flat in Mossley. My Conveyancer is not listed on the mortgage company solicitor panel. Am I still permitted to use my Mossley conveyancing solicitor even though they are excluded from the bank panel?
One must instruct a conveyancer to deal with the formalities when you require a loan to buy your property. They will carry out all the essential legal checks on the property, make sure that you’re registered as proprietor and ensure that all the required mortgage paperwork is in order. One may appoint a Mossley solicitor of your choice. However, if the solicitor selected is not a member of the mortgage company approved list supplemental fees will be levied as separate legal representation will be required by them. Bank panel applications can be submitted, so where your solicitor has not previously applied for membership they can do so.
We are expecting a mortgage offer soon. The lender mentioned the mortgage came with free conveyancing. Does this mean I have to instruct their panel lawyer as I would much rather instruct a specialised conveyancing solicitor in Mossley?
Do check but the chances are that appoint one of their panel conveyancers should you want the "fee-free" deal. Speak to the lender to explore if they offer you a monetary alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor in Mossley.
Me and my partner are purchasing a property in Mossley. It might be a silly question but how we can trust a conveyancer? On the day of competition we have to deposit our life savings into their account. What is the protection we have from them run away with our monies?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
The formalities of my remortgage has taken place for my property in Mossley. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Nationwide have agreed my home loan in principle, my offer on a house in Mossley has been accepted, what happens next?
The property agent will need to be informed of your property lawyer's details (ensure that the conveyancers are on the bank’s approved list). Contact Nationwide or the broker and finish off any relevant forms. Nationwide will appoint a valuer who will get in touch with the selling agent or vendor to schedule a time for the valuation to happen. Once carried out (assuming no problems) it takes approximately a week for the mortgage offer to be issued. Nationwide will issue the offer to you and your solicitors. The transaction will then take it’s course according the nature and complexity of the conveyancing in Mossley.
Due to the advice of my in-laws I had a survey completed on a property in Mossley ahead of appointing lawyers. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some banks tend refuse to issue a mortgage on a flying freehold property.
It varies from the lender to lender. HSBC has different requirements from Birmingham Midshires. If you e-mail us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Mossley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Mossley to see if the conveyancing will be more expensive.
I'm refinancing my current house to a buy to let mortgage with Barclays and I will use the rest of the raised equity towards further property. The location we are interested in is Mossley. Will your solicitors be able to act for the two mortgage companies and tie in the two deals?
Do use our search tool on this page to check that the conveyancers are approved by both mortgage companies. Assuming that they are your lawyer should be able to simultaneously deal with the two conveyancing matters but you should talk with you solicitor and communicate your desired outcome and requirements.
As co-executor for the will of my grandmother I am selling a house in Swansea but I am based in Mossley. My lawyer (based 200 kilometers from merequires that I sign a stat dec prior to completion. Can you recommend a conveyancing solicitor in Mossley who can attest and place their company stamp on the document?
Technically speaking you should not need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or solicitor will do regardless of whether they are based in Mossley