My husband and I are buying a newbuild apartment in North London with a homeloan from Barclays Direct.We would like to retain our North London conveyancing solicitor but Barclays Direct informed us her practice is not on their approved list of member firms. We have to appoint a Barclays Direct panel solicitor or retain our high street solicitor and pay for a Barclays Direct panel lawyer to act for them. We feel as though this is unjust; is there anything we can do?
No, not really. The mortgage issued to you is subject to its various provisions, one of which will be that lawyers will be on the Barclays Direct approved list. Until recently, most mortgage companies 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 lawyer to apply to be on the conveyancing panel for Barclays Direct
We are buying a property and the solicitor has raised the issue of Chancel Repair for which the house could be obligated to pay given it’s proximity to the area of such a church. She has recommended insurance. Is this strictly warranted for conveyancing in North London
Unless a prior acquisition of the house completed post 12 October 2013 you could take it that solicitors delivering conveyancing in North London to remain encouraging a chancel search and or insurance against a claim.
Yesterday I discovered that there is a flying freehold element on a property I put an offer in last month in what was supposed to be a quick, chain free conveyancing. North London is the location of the property. Can you offer any guidance?
Flying freeholds in North London are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside North London you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in North London may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
Given that I will soon part with hundreds of thousands of pounds on 3 bedroom house in North London I wish to have a conversation with the lawyer regarding thehouse move ahead of appointing the firm. Can this be arranged?
Absolutely - it is our preference to talk to you we do not take any clients on without you liaising with the solicitor due to be carrying out your conveyancing in North London.There is no ‘factory style conveyancing’ - every client is unique individual, not a matter reference. The law firms that we put you in touch with believe that the figure you are quoted for your conveyancing in North London should be the figure that you end up paying.
In sourcing the world wide web for the phrase on line conveyancing in North London it shows results of many property lawyersin the area. How do I determine which is the right property lawyer for my move?
The best way of choosing the right conveyancer is through a personal referral, so seek the counsel of friends and relatives who have acquired a property in North London or a reputable estate agent or financial adviser. Charges for conveyancing in North London differ, so it's advisable to request a minimum of three fee estimates from varying types of companies. Make sure that you clarify that the fees are fixed.