I can't travel far from Hythe. What is the rationale as to why all Hythe solicitors are not on all lender panels?

Banks point to the fact that solicitor-led fraud is thought to be responsible for millions of pounds of fraud annually.The dismissal of law firms off of lender panels started with the rise in mortgage fraud, which prompted a thematic review by the FSA in 2011. Its outcome included recommendations for mortgage companies to review their conveyancing panels, which kicked off a major policy change in the sector. It resulted in lenders purging less reputable firms off their panel of approved lawyers .

In the event thatI were to purchase a straightforward housein Hythe for cash and dispense with a survey and no conveyancing searches how much should I expect to have to pay for conveyancing in Hythe?

The only reduction in fees you would achieve is the costs for searches. The lawyer is required to do the vast majority of work - money laundering, communicating with your sellers lawyer, SDLT return, register the title etc. You might save a bit for them not having to register a mortgage but it will not be meaningful.

We are expecting a mortgage offer soon. The lender mentioned the home loan came with free conveyancing. Is the implication that I have to use their panel conveyancer as I would prefer to use a Hythe based conveyancing firm?

You should check but the the likelihood is that allocate you one of their panel lawyers if you take up the "fee-free" offer. Call the bank to determine if they make available a monetary alternative. In the past a few mortgage companies offered a £250 cashback as a further option in which case that money can go towards your preferred conveyancing solicitor in Hythe.

What is your number one tip for finding a conveyancing solicitor in Hythe

We would encourage you not to base your choice on the cheapest Hythe conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in ahead of the deal.

My aunt pointed out to me me that in buying a property in Hythe there may be a number of restrictions as to what one can do in terms of external changes to the property. Is this right?

There are anumerous of properties in Hythe which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Hythe should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I recently had an offer accepted on an apartment in Hythe. My financial adviser suggested a lawyer. I paid an on account payment of £200. A few days later, the conveyancer called me to say that they were not on the Kent Reliance 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 Kent Reliance 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.

How do I use your search tool to select a conveyancing lawyer in Hythe on the approved list for my mortgage?

Step one is to choose a bank such as Halifax, Norwich and Peterborough Building Society or Clydesdale then type in your preferred area for example Hythe. Conveyancing organisations in Hythe and further afield should be identified.