Me and my partner are buying a 1 bedroom apartment in Sidcup with a mortgage. We have a Sidcup conveyancer, however the lender advise he's not on their "panel". It seems we have little choice but to appoint one of the bank panel conveyancing practices or keep our Sidcup conveyancing practitioner and pay for one of their panel lawyers to represent them. We regard this is unjust; is there anything we can do?
No, not really. The mortgage offered to you 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 Sidcup conveyancing solicitor to apply to be on the conveyancing panel.
As someone unfamiliar with conveyancing in Sidcup what’s the number one tip you can impart concerning the home moving process in Sidcup
Not many law firms shout this from the rooftops but conveyancing in Sidcup or throughout England and Wales is an adversarial experience. In other words, when it comes to conveyancing there exists an abundance of opportunity for conflict between you and others involved in the house moving process. For instance, the seller, estate agent and even potentially the lender. Appointing a lawyer for your conveyancing in Sidcup an important selection as your conveyancer is your adviser, and is the SOLE party in the process whose role it is to act in your legal interests and to keep you safe.
Every so often a potential adversary may attempt to sway you that it is in your interests to do things their way. For example, the property agent may claim to be assisting by suggesting your solicitor is slow. Or your financial adviser may advise you to do take action that is against your solicitors recommendation. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
I have been told that property searches are a common reason for hinderance in Sidcup house deals. Is that correct?
The Council of Property Search Organisations (CoPSO) published conclusions of a review by MoveWithUs that conveyancing searches do not feature within the most frequent causes of delays during the legal transfer of property. Searches are not likely to be the root cause of slowing down conveyancing in Sidcup.
My wife and I have a renovated Edwardian property in Sidcup. Conveyancing practitioner represented me and Nottingham Building Society. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, another for leasehold with the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Sidcup and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the position with your conveyancing solicitor who completed the work.
Is there anything unique about your site and other online quote calculators for conveyancing in Sidcup?
At this site receive a fixed fee quote from a Solicitor or Licensed Conveyancer that appreciates the issues for your conveyancing in Sidcup. As opposed to estate agents and brokerage sites we do not have commission arrangements with solicitors. A large number of agents and online brokers 'recommend' solicitors who pay the highest kickback, as opposed to the best value conveyancing in Sidcup
I am using a search engine for the phrase conveyancing in Sidcup it shows results of numerous property lawyerslocally. How do I determine which is the suitable solicitor for the sale of my house?
The ideal method of choosing a suitable conveyancer is via trusted testimonial, so seek the counsel of friends and those you trust who have bought a property in Sidcup or a respected estate agent or financial adviser. Charges for conveyancing in Sidcup vary, so it's a good idea to secure at least three fee estimates from different property lawyers. Be sure to seek confirmation that the fees are fixed.