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Find a Enfield Highway Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Enfield Highway? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Enfield Highway transaction at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Enfield Highway conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Enfield Highway

We were about to choose a conveyancing solicitor in Enfield Highway listed on your site but have come across some other quotes on the internet look cheaper – why is this?

There are many firms of solicitors promoting self styled cut-price conveyancing, but additionalfees result in the completion invoice being inflated. According to the Legal Ombudsman fees outlined in terms and conditions should be equitable raised The law firms that we list for conveyancing in Enfield Highway clearly state all costs for a standard conveyancing transaction.

Is it the case that all Enfield Highway CQS (Conveyancing Quality Scheme) solicitors are on the RBS conveyancing list of approved solicitors?

A selection of banks and building societies now utilise CQS as the starting point for Panel approval such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their panels.

I'm spending time viewing houses in Enfield Highway and I am about to put in an offer. Should I already have a conveyancer in place at this stage? I intend to finance via a home loan with Bank of Ireland.

It would be sensible to commence your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the estate agent. As you are taking out a mortgage with Bank of Ireland, ask your prospective lawyers if they are on the Bank of Ireland conveyancing panel otherwise they can't do the mortgage legal work.

The formalities of my purchase has taken place for my property in Enfield Highway. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

I am purchasing my first flat in Enfield Highway with a mortgage from Lloyds TSB Bank. The builders would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not reveal to my conveyancer about the side-deal as it will adversely affect my mortgage with the lender. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am employed by a busy estate agent office in Enfield Highway where we see a number of flat sales jeopardised due to short leases. I have been given conflicting advice from local Enfield Highway conveyancing firms. Could you shed some light as to whether the owner of a flat can instigate the lease extension formalities for the buyer?

As long as the seller has owned the lease for at least 2 years it is possible, to serve a Section 42 notice to kick-start the lease extension process and assign the benefit of the notice to the purchaser. The benefit of this is that the buyer can avoid having to sit tight for 2 years to extend their lease. Both sets of lawyers will agree to form of assignment. The assignment has to be done before, or at the same time as completion of the disposal of the property.

An alternative approach is to agree the lease extension with the freeholder either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the buyer.

I have tried to negotiate informally with with my landlord to extend my lease without any joy. Can I apply to the Leasehold Valuation Tribunal? Can you recommend a Enfield Highway conveyancing firm to assist?

in cases where there is a absentee freeholder or where there is disagreement about what the lease extension should cost, under the relevant legislation it is possible to make an application to the First-tier Tribunal (Property Chamber) to make a decision on the sum to be paid.

An example of a Vesting Order and Purchase of freehold decision for a Enfield Highway premises is Ground Floor Flat 4A Baronet Road in February 2010. Following a vesting order by Edmonton County Court on 23rd December 2008 (case number 8ED064) the Tribunal decided that the price that the Applicant for the freehold interest should pay is £8,689.00 This case related to 2 flats. The number of years remaining on the existing lease(s) was 80.01 years.

What type of property do your Enfield Highway conveyancing estimates apply to?

Our conveyancing quotes are only applicable to standard domestic premises in England & Wales. If you have any different requirements for example industrial or agricultural land or commercial conveyancing in Enfield Highway do contact us to discuss your requirements .

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