We see that you have a post code search directory listing firms on the UBS conveyancing panel. Do companies pay you a referral fee if I retain them for our own conveyancing in St Ives?
We are a listing service only for law firms wishing to communicate if they are on the UBS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in St Ives.
I am in the process of refinancing my home in St Ives, does my lawyer have to be on the HSBC Solicitor panel?
In theory, you could use a solicitor that is not on the HSBC conveyancing panel, but HSBC would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
I'm the only recipient of my late grandmother’s will and I have everything in my name now, including the my former home in St Ives. The St Ives property was put into my name in August. I want to move. I understand that there is a CML six month 'rule', which means that my property ownership will be considered the same way as if I'd bought the property in August. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be impacted by that. Some lenders would take a practical view as this requirement chiefly exists to capture subsales or the flipping of property.
I can not work out if my lender requires a lease extension. I have called into my local St Ives bank branch on a couple of occasions and was told they are content with the situation and they will lend. My St Ives conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they would not lend in accordance with their published requirements. I simply don't know who is right.
As long as the property lawyer is on the mortgage company approved list, they must comply with the CML Handbook provisions for the bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
My offer was accepted on a property in St Ives on 24/7/2026, valuation was booked 4 days after, received a clean bill of health. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to TSB and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the TSB conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for TSB to deal with your lawyer's application to be on the TSB conveyancing panel. There's no guarantee that your solicitor will be accepted.
We are buying a house and the lawyer has identified Chancel Repair to which the property could be obligated to pay given it’s proximity to the area of such a church. She has recommended insurance. Is this really warranted for conveyancing in St Ives
Unless a previous purchase of the property took place after 12 October 2013 you may take it that conveyancing practitioners conducting conveyancing in St Ives to continue to suggest a chancel search and or chancel repair liability insurance.
Over the last few months I have been searching for a flat up to £195,000 and found one near me in St Ives I like with amenity areas and station nearby, the downside is that it only has 51 years on the lease. I can't really find anything else in St Ives suitable, so just wondered if I would be making a mistake buying a short lease?
Should you require a mortgage that many years may be a potential deal breaker. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the premises for at least twenty four months you can request that they start the process of the extension and pass it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer about this.
How do I identify a St Ives law firm on the The Royal Bank of Scotland conveyancing panel? I am a keen cyclist and am happy to travel upto 20miles to meet the lawyer.
Feel free to make use of the tool on this page. Please pick a bank and your location and you will see a number of St Ives conveyancing lawyers locally. We have listed some St Ives conveyancing firms towards the end of this page and you can telephone them to see if they are on the The Royal Bank of Scotland approved list