My property lawyer in Burnage has never been on on the Bank of Ireland Conveyancing Panel. Can I still retain my prefered solicitor even though they are not on the Bank of Ireland panel?
The limited options open to you here include:
- Carry on with your existing Burnage solicitors but Bank of Ireland will need to retain a solicitor on their panel. This will inevitably rack up the overall legal charges as well as cause frustration.
- Get a new lawyer to to deal with the purchase, remembering to check they are Bank of Ireland approved.
- Persuade your Bank of Ireland based solicitor to try to join the Bank of Ireland panel
Is it the case that all Burnage solicitor practices on the HSBC conveyancing panel are governed by the SRA?
As solicitors, in order to be on the HSBC conveyancing panel they would need to be overseen by the Solicitors Regulatory Authority. Some lenders do permit licenced conveyancers on their panel in which case such organisation would be overseen by the Council of Licensed Conveyancers.
We previously instructed conveyancers with offices in Burnage on the Bank of Ireland solicitor panel. They have just invoiced me an additional fee for dealing with the Bank of Ireland mortgage. Is this an additional conveyancing fee set by Bank of Ireland?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your lawyer is entitled to levy a fee for this. The fee is not set by Bank of Ireland but by your Burnage lawyer. Some firms on the Bank of Ireland panel will quote ’dealing with mortgage’ fee but plenty of practices include it on their overall fee.
I was told three weeks ago that my mortgage has been agreed to by Nationwide. Is it usual for Nationwide to only issue the offer once my solicitor in Burnage is approved on their conveyancing panel? Nationwide have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Nationwide to deal with your lawyer's application to be on the Nationwide conveyancing panel. There's no guarantee that your solicitor will be accepted.
I have recentlyfound out that Action Conveyancing have closed. They conducted my conveyancing in Burnage for a purchase of a leasehold flat 9 months ago. How can I establish that my home is registered correctly in the name of the previous owner?
The quickest method to see if the property is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Burnage conveyancing specialists.
I decided to have a survey carried out on a house in Burnage ahead of instructing lawyers. I have been informed that there is a flying freehold aspect to the property. My surveyor advised that some lenders will not issue a mortgage on a flying freehold premises.
It depends who your proposed lender is. Santander has different instructions from Halifax. Should you wish to telephone us we can check with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Burnage. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Burnage to see if the conveyancing costs will increase in light of this.
How do I use your search facility to find a conveyancing practitioner in Burnage on the approved list for my lender?
First choose a bank such as Birmingham Midshires, Barnsley Building Society or Britannia then choose your preferred area such as Burnage. Conveyancing practices in Burnage and across England and Wales will then be identified.