Me and my partner are intending to buy a 2 bedroom flat in Ongar with a mortgage. We would like to retain our Ongar solicitor, but the bank says he's not on their "panel". We have to appoint one of the bank panel conveyancing practices or continue with our Ongar lawyer and pay for one of their panel lawyers to represent them. We feel that this is inequitable; is there anything we can do?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’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 Ongar conveyancing solicitor to apply to be on the conveyancing panel.
Can the conveyancing practitioners identified via your ’find a lawyer’ app carry out right to buy conveyancing in Ongar?
We have identified numerous conveyancing solicitors who can service right to buy transactions Do get in touch with us in order to get a costs illustration.
A colleague advised me that if I am buying in Ongar I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally included in the estimate for your Ongar conveyancing searches. It is a large report of about 40 pages, listing and setting out significant information about Ongar around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Ongar Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Ongar Education with plans and statistics, Local Amenities and other useful data about Ongar.
Due to the guidance of my in-laws I had a survey completed on a house in Ongar prior to appointing lawyers. I have been informed that there is a flying freehold aspect to the house. The surveyor has said that some lenders will not give a loan on this type of house.
It varies from the lender to lender. Lloyds has different requirements from Halifax. Should you wish to telephone us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Ongar. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Ongar to see if the conveyancing will be more expensive.
How easy is it to change firm as I have to retain a firm on the Chelsea Building Society conveyancing list. I was using a family conveyancing solicitor in Ongar five minutes from me but he is not approved by Chelsea Building Society
We will our best to assist in finding you a conveyancing solicitor in Ongar on the Chelsea Building Society panel. Please note that the solicitors that we list do not pay us fee if you instruct them and are registered with the SRA who regulate all conveyancing solicitors in Ongar. In utilising the find a conveyancing solicitor tool on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Ongar.
Am I best advised to use a Ongar conveyancing practitioner in close proximity to the house I am hoping to buy? We have a good friend who can deal with the legal work however her office is approximately 350kilometers away.
The primary upside of using a local Ongar conveyancing firm is that you can drop in to sign documents, present your identification documents and apply pressure on them where appropriate. Having local Ongar know how is a benefit. That being said it's more important to get someone that will do a good and efficient job. If other friends have used your friend and the majority were content that should surpass using an unfamiliar Ongar conveyancing solicitor just because they are round the corner.