How up to date is your search tool for Moston conveyancing solicitors on the Santander conveyancing panel? Do Santander send you an updated list?
Moston conveyancing firms themselves provide us confirmation that they are on the Santander conveyancing panel as opposed to being supplied with a list from Santander directly.
We are purchasing a 2 bedroom flat in Moston with a mortgage from Nationwide Building Society.We have a Moston conveyancing solicitor but Nationwide Building Society informed us she’s not on their "panel". It seems we are left with no choice but to instruct a Nationwide Building Society panel lawyer or retain our high street solicitor and pay for a Nationwide Building Society panel lawyer to act for them. This seems very unfair; Can we not simply insist that Nationwide Building Society use our lawyer?
No, not really. The home loan offered to you is subject to its various provisions, one of which will be that conveyancers must be on the Nationwide Building Society solicitor panel. in the past, most mortgage companies had large numbers of solicitors on their panels: a borrower could find 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 lawyer to apply to be on the conveyancing panel for Nationwide Building Society
The deeds to my house are lost. The lawyers who conducted the conveyancing in Moston 10 years ago are no longer around. What do I do?
Assuming you have a registered title the details of your proprietorship will be evidenced by the Land Registry with a Title Number. It is possible to execute a search at the Land Registry, find your house and order current copies of the Registered Entries for less than a fiver. If the property is Leasehold then the Land Registry will usually hold a file duplicate of the Registered Lease and again, a copy can be retrieved for a small fee.
I opted to have a survey carried out on a property in Moston before retaining conveyancers. I have been informed that there is a flying freehold overhang to the property. Our surveyor advised that some banks tend not issue a loan on this type of home.
It depends who your proposed lender is. HSBC has different instructions from Halifax. Should you wish to telephone us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Moston. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Moston to see if the conveyancing will be more expensive.
How much experience do your Moston conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?
Moston conveyancing lawyers help thousands of people move home every year and assisted lots of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Moston conveyancers have worked on recent similar matters.