My wife and I are purchasing a 2 bedroom flat in Caterham with a mortgage. We wish to retain our Caterham conveyancer, but the lender advise she’s not on their "panel". We have to appoint one of the lender panel conveyancing practices or retain our Caterham solicitor and pay for one of their panel ones to act for them. This seems very unfair; is there anything we can do?
No, not really. 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. Another option that might be available is for your Caterham conveyancing lawyer to apply to be on the conveyancing panel.
Are you able to suggest a Accord Mortgages Ltd approved Caterham conveyancing conveyancer that can complete within 10 days? Am I best advised to go for a high street Caterham firm or a national firm?
We can recommend some very good Caterham conveyancing firms. Another option is to visit the main road in Caterham. Approach two or three firms and request to see a conveyancing solicitor for a quote. Discuss your deadline together with the reasons and ask for an assurance on your deadline. Choose the lawyer that genuine.
We are expecting a mortgage offer soon. The lender mentioned the loan came with free conveyancing. Is the implication that I have to use their panel conveyancer as I would prefer to instruct a local conveyancing solicitor in Caterham?
Do check but the the probability is that appoint one of their panel conveyancers where you accept the "fee-free" incentive. Call the lender to see if they allow a cash alternative. Some lenders have previously offered a £250 cashback as an alternative in which case that money can go towards your preferred conveyancing solicitor near Caterham.
Have purchased a a terraced house in Caterham , What is the estimated time for the Land Registry to record the transfer to my name? My Caterham conveyancing solicitor has been painfully slow, so I want to be sure the land registry aspects are concluded.
As far as conveyancing in Caterham registration is no quicker or slower than the rest of the country. As opposed to being determined by geographic area, timescales can differ according to the party submitting the application, whether there are errors and if the Land registry communicate with any third parties. Currently in the region of 80% of such applications are fully addressed in less than three weeks but some can be subject to longer hold-ups. Historically registration takes place after the new owner is living at the premises thus 'speed' is not always primary concern yet where it is urgent that the the registration takes place urgently then you or your solicitor can speak with the land registry and explain the circumstances.
What does commercial conveyancing in Caterham cover?
Non domestic conveyancing in Caterham covers a wide array of services, supplied by qualified solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.