My mortgage broker requires my Broxbourne law firm’s panel reference for the HSBC conveyancing panel. What is the best way to discover this. I have contacted my local Broxbourne branch but they have not responded to me.
You are best placed to get this information from your Broxbourne lawyer . They keep a central record lender panel numbers.
Our solicitor has identified a defect with the lease for the flat we are buying in Broxbourne. The seller’s lawyers have put forward title insurance as a workaround. We are happy with insurance and will pay for it. Our property lawyer has advised that he must be satisfied that the lender is happy with this solution. Are we the client or is the bank?
The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the bank are the client. Your property lawyer must comply with the UK Finance Lenders’ Handbook conditions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the mortgage company can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your conveyancer will have no choice but to discontinue acting for you.
We note that you have a post code search directory identifying law firms on the Nottingham conveyancing panel. Do firms pay you a referral fee if I instruct them for our conveyancing in Broxbourne?
We are a listing service only for law firms wishing to communicate if they are on the Nottingham conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Broxbourne.
We are buying a terrace house in Broxbourne. We would like to an extension at the rear at the property.Will legal conveyancing on the property include checks to see if these alterations are permitted?
Your property lawyer will check the deeds as conveyancing in Broxbourne will sometimes identify restrictions in the title deeds which prohibit categories of works or necessitated the consent of another owner. Some extensions call for local authority planning permissions and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be wise to check these issues with a surveyor ahead of any purchase.
We expect to receive a AIP from Aldermore this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Aldermore recommend any Broxbourne solicitors on the Aldermore conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Broxbourne solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
I recently had an offer accepted on an apartment in Broxbourne. My mortgage broker suggested a conveyancer. I paid an upfront payment of £200. Shortly after, the property lawyer contacted me sheepishly admitting that they were not on the TSB 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 TSB 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.
My father has encouraged me to appoint his lawyers for conveyancing in Broxbourne. Should I use them?
There are no two ways about it it’s preferable to choose a conveyancing practitioner is to seek feedback from friends or relatives who have actually experience in using the solicitor you're contemplating using.