My husband and I are planning to buy a 2 bedroom apartment in Pattingham with a mortgage. We would like to retain our Pattingham solicitor, but the bank says she’s not on their "panel". It appears that we have no choice but to select one of the lender panel firms or continue with our Pattingham lawyer as well as pay for one of their panel firms to represent them. We consider that this is inequitable; can we not require that the mortgage company use our Pattingham solicitor ?
Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders 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. A further alternative is for your Pattingham conveyancing solicitor to apply to be on the conveyancing panel.
I require quick conveyancing in Pattingham as I am under a deadline to sign on the dotted line in less than one month. A home loan is not required. Can I escape the need for conveyancing searches to save money and time?
If.Given you are not getting a home loan you are at free not to have searches conducted although no solicitor would advise that you don't. With lots of history conveyancing in Pattingham the following are instances of what can arise and adversely affect future saleability: Enforcement Actions, Overdue Charges, Outstanding Grants, Unadopted Roads,...
Due to the encouragement of my in-laws I had a survey completed on a property in Pattingham before instructing solicitors. I have been told that there is a flying freehold overhang to the house. My surveyor advised that some lenders tend refuse to issue a mortgage on such a premises.
It depends who your proposed lender is. Lloyds has different requirements from Halifax. If you contact us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Pattingham. Conveyancing will be smoother if you use a solicitor in Pattingham especially if they are accustomed to such properties in Pattingham.
I am looking to sell my house. My past solicitors closed down. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Pattingham if that affects matters.
Do use our search tool to help you choose a solicitor for your conveyancing in Pattingham. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs smoothly.
Am I best advised to appoint a Pattingham conveyancing solicitor based in the location that I am buying? I have an old university friend who can execute the conveyancing however her office is approximately 350miles drive away.
The primary upside of using a local Pattingham conveyancing practice is that you can pop in to sign paperwork, present your identification documents and pester them if necessary. They will also have local intelligence which is a plus. That being said it's more important to get someone that will pull out all the stops for you. If you know people who instructed your friend and they were happy that must surpass using an unfamiliar Pattingham conveyancing lawyer just because they are Pattingham based.