Me and my partner are intending to buy a 1 bedroom apartment in Bolton with a mortgage. We wish to retain our Bolton conveyancer, however the lender says he's not on their "panel". It seems we have little option but to use one of the mortgage company panel firms or keep our Bolton conveyancing practitioner and pay for one of their panel firms to represent them. We regard this is inequitable; are we not able to demand that the bank use our Bolton lawyer ?
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. Another option that might be available is for your Bolton conveyancing lawyer to apply to be on the conveyancing panel.
Can I use your services to recommend a Conveyancing solicitor in Bolton even if I’m not buying or selling a house, for example if I want to acquire an office in Bolton with a mortgage from Norwich and Peterborough Building Society?
Our comparison service is primarily there to find domestic conveyancing solicitors in Bolton but we have recorded at the bottom of this page a selection of Bolton commercial conveyancing firms. You should make contact with the company directly to establish if they are also authorised to represent Norwich and Peterborough Building Society
My Solicitor in Bolton has never been on on the The Royal Bank of Scotland Approved Panel. Is it possible for me to continue with my family solicitor notwithstanding that they are excluded from the The Royal Bank of Scotland list of approved lawyers?
Your options are as follows:
- Complete the purchase with your preferred Bolton lawyers but The Royal Bank of Scotland will need to instruct a conveyancer on their list of acceptable firms. This will inevitably rack up the overall conveyancing charges and result in frustration.
- Choose an alternative lawyer to to deal with the conveyancing, obviously checking they are The Royal Bank of Scotland approved.
- Persuade your The Royal Bank of Scotland solicitor to seek to join the The Royal Bank of Scotland panel
A relative suggested that if I am purchasing in Bolton I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is sometimes quoted for as part of the standard Bolton conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Bolton around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Bolton Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful information about Bolton.
My husband and I are a couple of weeks into a residential purchase having been directed to conveyancers by the estate agent to execute conveyancing in Bolton. I am am extremely dissatisfied with the quality of service. Can you help me find new conveyancers?
They would have to be very bad in order to consider replacing them. Has your mortgage offer been issued? If so you must advise them of the new contact details and get the offer are re-sent. The solicitor ideally should be on the banks approved list to avoid supplemental charges and delays. That should be your starting point. Our find a solicitor tool can assist you in finding a bank approved lawyer for your conveyancing in Bolton