My wife and I are buying a 1 bedroom flat in Rainham Kent with a mortgage. We have a Rainham Kent lawyer, but the mortgage company says she’s not on their "panel". We have to appoint one of the mortgage company panel solicitors or retain our Rainham Kent solicitor as well as pay for one of their panel ones to act for them. This seems very unfair; can we not insist that the bank use our Rainham Kent conveyancing practitioner ?
Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’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 Rainham Kent conveyancing lawyer to apply to be on the conveyancing panel.
Finally the sale completed on my house in Rainham Kent last September yet the purchaser is telephoning every few hours complaining that their conveyancer needs to hear from myconveyancer. What are the post completion sale formalities now that I have sold?
After completion of your sale your lawyer is obliged to deliver the transfer deeds and all additional paperwork to the purchaser's solicitors. If applicable, your lawyer must also confirm that the legal charge in favour of the lender has been paid off to the buyers solicitors. There are no post completion procedures just for conveyancing in Rainham Kent.
Is it necessary to take out insurance to protect me from financial exposure to chancel repairs when acquiring a house in Rainham Kent?
Unless a prior acquisition of the premises took place post 12 October 2013 you can take it that conveyancing practitioners delivering conveyancing in Rainham Kent to remain encouraging a chancel search and or chancel repair liability insurance.
Due to the advice of my in-laws I had a survey completed on a property in Rainham Kent prior to appointing conveyancers. I have been advised that there is a flying freehold element to the house. The surveyor has said that some lenders tend not grant a loan on a flying freehold premises.
It varies from the lender to lender. Santander has different requirements from Halifax. If you call us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Rainham Kent. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Rainham Kent to see if the conveyancing costs will increase in light of this.
Is it possible to transfer to a new solicitor as I need to appoint one who is on the Platform Home Loans Ltd conveyancing panel. I was using a high street conveyancing solicitor in Rainham Kent five minutes from me but the firm is not approved by Platform Home Loans Ltd
It would be our pleasure to assist you find a conveyancing solicitor in Rainham Kent on the Platform Home Loans Ltd panel. Please note that the solicitors that we on the directory do not pay us commission if you instruct them and are authorised and regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Rainham Kent. In making use of the find a conveyancing solicitor tool on this site, you can scrutinise costs for conveyancing solicitors in Rainham Kent and beyond.
I need to appoint a conveyancing solicitor for residential conveyancing in Rainham Kent. I've discover a web site which seems to have the perfect answer If it is possible to get all the legals completed via phone that would be ideal. Should I be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?