Just contacted my conveyancing lawyer in Whitehaven who acted for me 18 months ago and wanted a conveyancing estimate based on the same type of home move (a leasehold premises and a freehold premises) of almost identical values with a loan from Leeds Building Society. I am now being quoted twice the amount. Am I right to be tempted to shop around for an alternative firm of conveyancing solicitor?
The estimate does seem a little steep. If you shop around you might get the conveyancing a bit cheaper by perhaps a hundred pounds. On the other hand, assuming were pleased with the conveyancing the firm offered you couldcome to rue choosing an an untested conveyancer. Don't forget to ensure that the solicitor can represent Leeds Building Society. You can use our search tool to locate a Whitehaven conveyancing firm on the Leeds Building Society approved list of lawyers, which can often include conveyancing solicitors in Whitehaven.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Whitehaven. My lender is Virgin
Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 18/11/2024, the requirements read as follows :
I have paid off my mortgage with Kent Reliance. I assume I don't need a Whitehaven conveyancing practitioner on the Kent Reliance panel to discharge the mortgage at the Land Registry. Am I right?
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
After weeks of negotiation I have agreed a price on an apartment in Whitehaven. My mortgage broker suggested a conveyancer. I paid an on account payment of £175. A few days later, the lawyer called me to say that they were not on the UBS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the UBS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I had an offer accepted on an apartment in Whitehaven on 2/10/2024, valuation was booked 3 days after, all came back fine. Conveyancer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Lloyds and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Lloyds conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.
I have been told that property searches are the number one reason for obstruction in Whitehaven conveyancing transactions. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) released conclusions of research by MoveWithUs that conveyancing searches do not figure amongst the most frequent causes of delays in the conveyancing process. Searches are not likely to be the root cause of slowing down conveyancing in Whitehaven.
I'm refinancing my current house to a buy to let loan with HSBC Bank and I will use the ballance of the raised equity as a deposit on further house. The area we are looking at is Whitehaven. Will your conveyancers be able to act for the two lenders and tie in the two deals?
Make use of our comparison tool on this page to be sure that the lawyers are on the appropriate lender panels. Assuming that they are the solicitor will be able to connect the two deals but you should talk with you conveyancer and make apparent your expectations and requirements.
My husband and I are 18 days into a leasehold purchase having been recommend to solicitors by the estate agent to do our conveyancing in Whitehaven. I am not happy. Could you you assist me in finding new lawyers?
They would have to be really bad to suggest changing them. Has your mortgage offer been generated? If so you must inform them of the new contact details and have the loan are re-issued. The conveyancer needs to be on the lenders panel to avoid escalating charges and delays. That should be your first question of the new lawyers. The search tool will assist you in finding a bank approved lawyer for your home move in Whitehaven