We see that you have a post code search directory identifying law firms on the Clydesdale conveyancing panel. Do firms pay you a referral fee if I appoint them for our own conveyancing in Longhope?
We are a listing service only for law firms wishing to communicate if they are on the Clydesdale conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Longhope.
I am selling my flat in Longhope. Does my lawyer have to be on the Principality conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Principality conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently at the moment.
Can I be sure that the Longhope conveyancing solicitor on the Lloyds panel is any good?
When it comes to conveyancing in Longhope getting recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the lawyer handling your transaction.
The formalities of my purchase has taken place for my property in Longhope. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I can not fathom if my lender requires a lease extension. I have called my Longhope building society branch on a couple of occasions and was reassured it wasn't an issue and they will lend. My Longhope conveyancing solicitor - who is on the bank conveyancing panel- telephoned and was told they refuse to lend in accordance with their published requirements. I simply don't know who is right.
Your solicitor must follow the Council of Mortgage Lenders’ Handbook Part 2 requirements for your bank. Unless your lawyer obtains specific confirmation in writing that the bank 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 remaining.
Over the last few months I have been searching for a ground for flat up to £245,000 and identified one round the corner in Longhope I like with a park and station in the vicinity, the downside is that it's only got 51 years unexpired on the lease. There is not much else in Longhope in this price bracket, so just wondered if I would be making a mistake purchasing a short lease?
If you require a home loan the shortness of the lease may be problematic. Reduce the price by the expected lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of 2 years you can ask them to start the process of the extension and pass it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should consult your conveyancing lawyer concerning this matter.
We are 17 days into a leasehold purchase having been referred to solicitors by the selling agent to do our conveyancing in Longhope. I am am extremely disappointed with the level of service. Could you help me find new lawyers?
They would need to be really bad in order to consider replacing them. Has the mortgage been sent? In the event that it has you need to advise them of the new solicitor and get the mortgage documents are re-sent. Your new conveyancer should be on the lenders panel to avoid escalating charges and delays. That should be your first question of the new solicitors. Our search tool should assist you in finding a bank approved conveyancer for your home move in Longhope