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Ready to buy a new home? Failing to check that a lawyer is on the Kensington Mortgage list of approved solicitors can put your transaction at risk of delay or failure.
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Kensington Mortgage Conveyancing Panel : Questions and Answers
I instructed a law firm to work on my purchase six weeks ago having applied for a mortgage with Kensington Mortgage. The solicitors confirmed to me that they are on Kensington Mortgage conveyancing panel and gave me their panel number. Kensington Mortgage then told me that their panel number was dormant and would need to be reactivated. What do I do from here? Do I instruct a different law firm currently on the conveyancing panel for Kensington Mortgage?
The answer depends on whether you still have confidence in the said solicitors and how long it will take for the firm to be reinstated on the Kensington Mortgage conveyancing panel You may wish to enlist the help of your broker to check with the Kensington Mortgage as to how long they think it will take to get the firm to get back on the panel.
Expecting to complete my purchase next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for Kensington Mortgage. What does the insurance need to cover?
Any lawyer on the Kensington Mortgage conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Kensington Mortgage’s Part 2 requirements of the CML Handbook (last updated on Kensington Mortgage). Being on the Kensington Mortgage conveyancing panel your lawyer is expect to follow these requirements.
Are the lawyers identified as being on the Kensington Mortgage conveyancing panel, together with their details provided by Kensington Mortgage?
The firms themselves provide us confirmation that they are on the Kensington Mortgage conveyancing panel as opposed to being supplied with a list from Kensington Mortgage directly.
I am buying a semi-detached house and getting a mortgage with Kensington Mortgage. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Kensington Mortgage 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 made in you doing to 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 the Kensington Mortgage conveyancing panel in your location.
I'm in the throws of looking at houses and now considering a potential offer. Is it best to have a conveyancer on ‘stand by’? I I am planning to take a mortgage with Kensington Mortgage
It would be sensible to have your start your search soon 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 details on the the estate agent. As you are getting a mortgage with Kensington Mortgage , ask your prospective lawyers check they are on the Kensington Mortgage conveyancing panel otherwise they can't do the mortgage legal work.
I have today made my last payment due on mortgage with Kensington Mortgage. I assume I don't need a solicitor on the Kensington Mortgage panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Kensington Mortgage mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kensington Mortgage mortgage from the register. Kensington Mortgage,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the Kensington Mortgage has sent the Land Registry the discharge electronically, and
the Kensington Mortgage has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Kensington Mortgage mortgage has been paid off.
Me and my partner are acquiring a penthouse in Hendon. Conveyancing solicitors in Hendon are preferred to beinstructed. My fatheradvised that we enquire that the solicitor in Hendon is on the Kensington Mortgage list of approved conveyancing firms. Aren't all lawyers on the Kensington Mortgage panel?
It is not that case that all Hendon conveyancing practices are on the Kensington Mortgage conveyancing panel. Use the above search tool to find a Hendon conveyancing firm on the on the Kensington Mortgage panel.
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Transfer of Equity for Kensington MortgagePlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors