We are planning to acquire a house and need a conveyancing solicitor in Ham who is on the HSBC approved panel. Can you recommend a local solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for HSBC . We don't recommend any particular firms conducting conveyancing in Ham.
My fiance and I wish to acquire a newly converted flat in Ham with a homeloan from Barclays Direct.We would like to retain our Ham conveyancing solicitor but Barclays Direct says he's not listed on their "panel". we are left little option but to use a Barclays Direct panel firm or keep our high street solicitor and fork out for one of their panel ones to act for them. This seems very unfair; is there anything we can do?
No, not really. The loan offered to you contains terms and conditions, one of which will be that conveyancers will be on the Barclays Direct approved list. Until recently, most lenders had large numbers of solicitors 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 solicitors to apply to be on the conveyancing panel for Barclays Direct
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a quick, no chain conveyancing. Ham is the location of the property. Can you shed any light on this issue?
Flying freeholds in Ham are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Ham you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ham may ascertain 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 property.
We're novice buyers - had an offer accepted, yet the property agent advised that the owners will only move forward if we use the agent's chosen conveyancers as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a family conveyancer with experience of conveyancing in Ham
It is improbable the vendors are behind this. Should the seller require ‘a quick sale', turning down a genuine purchaser is likely to cause more damage than good. Bypass the agents and go straight to the owners and explain that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you intend to proceed fast (e)but you intend to instruct your own,trusted Ham conveyancing lawyers - rather thanthose that will provide their negotiator at the agency a referral fee or meet his conveyancing figures pre-set by HQ.
We yesterday become aware that one of the partners of the conveyancing practice undertaking the purchase conveyancing in Ham is is the father of the seller. Is this acceptable?
On the basis that no conflict arises this is permitted. Where you are requiring mortgage finance then the lender may have a say as many lenders have specific requirements concerning this. For example for HSBC as of 18/1/2025, the requirements read as follows :