I am expecting a mortgage offer from Nat West. I intend to employ the services of a Licensed Conveyancer in Staffordshire. Does the Nat West Solicitor panel allow for Licensed Conveyancers?
The Nat West approved solicitor list is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
We note that you have a search directory identifying solicitors on the Santander conveyancing panel. Do companies pay you a commission if I retain them for our conveyancing in Staffordshire?
We are a listing service only for law firms wishing to communicate if they are on the Santander conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Staffordshire.
Can you point me to a directory of UBS panel solicitors in Staffordshire on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. Very few lenders make their panel listings available online. Where you are seeking to appoint a Staffordshire conveyancer on the UBS please make the most of our facility.
I have paid off my mortgage with Kent Reliance. I assume I don't need a Staffordshire conveyancer on the Kent Reliance panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Kent Reliance mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kent Reliance mortgage from the register. Kent Reliance, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Kent Reliance has sent the Land Registry the discharge electronically, and
- Kent Reliance has instructed the Land Registry to do so
I can not work out if my bank requires a lease extension. I have called my Staffordshire building society branch on a couple of occasions and was told it does not impact the mortgage offer and they will lend. My Staffordshire conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned to say that they would not lend based on their specific requirements. Who do I believe?
As long as the conveyancer is on the bank panel, they must follow the Council of Mortgage Lenders’ Handbook specifications 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.
I am buying my first flat in Staffordshire with the aid of help to buy. The developers refused to move on the amount so I negotiated five thousand pounds worth of additionals instead. The house builders rep told me not reveal to my conveyancer about this deal as it could put at risk my loan with Clydesdale. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I have been pointed in your direction by a few property agents in Staffordshire to get a quote from a property lawyer on your site. Is there a financial advantage for Estate Agents to offer your services over another?
We refuse to make any commission for pointing buyers and sellers our way. We found it would be just too difficult a fee because members of the public would think, ‘How come the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.
I am thinking of appointing a conveyancing lawyer in Staffordshire for my house move. Can I see a solicitor's record with the profession’s regulator?
Anyone may review published Solicitor Regulator Association (SRA) decisions arising from investigations started on or after Jan 2008. Visit Check a solicitor's record. To find information Pre 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The SRA sometimes recorded call for training purposes.