I was advised recently by my mortgage adviser that my Robertsbridge solicitor is not on the bank Solicitor panel. What can I do to be certain that this is indeed the case?
The sensible course of action for you to take is to call your Robertsbridge lawyer directly. You lawyer should advise you what has happened. If they are not on the panel they may recommend you to a Robertsbridge conveyancing practice that is on the conveyancing panel for your lender.
I am buying a new build flat in Robertsbridge. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Robertsbridge you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Robertsbridge.
My wife and I purchased a terraced Georgian property in Robertsbridge. Conveyancing solicitor acted for me and Lloyds TSB Bank. I did a free Land Registry search last week and there are two entries: the first freehold, another for leasehold under the exact same address. Is it worth asking Lloyds TSB Bank to clarify?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Robertsbridge and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with the conveyancing solicitor who completed the work.
Due to the input of my in-laws I had a survey completed on a property in Robertsbridge prior to appointing conveyancers. I have been informed that there is a flying freehold overhang to the property. The surveyor has said that some lenders will not grant a loan on a flying freehold house.
It depends who your proposed lender is. Santander has different instructions from Nationwide. Should you wish to telephone us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Robertsbridge. Conveyancing will be smoother if you use a solicitor in Robertsbridge especially if they regularly deal with such properties in Robertsbridge.
I have been pointed in your direction by three or four local estate agents in Robertsbridge to get a quote from a conveyancer using your seach tool. What’s the financial advantage for Estate Agents to promote your services over and above alternative conveyancing organisations?
We don’t give any financial incentive for pointing buyers and sellers in our direction. We found it would be just too difficult to pay a commission as members of the public would think, ‘Why is the agent getting a kickback? Why aren’t I receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.