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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 Solicitor Panel Recently Asked Questions
My IFA has asked me for my solicitor’s panel reference for the Kensington Mortgage conveyancing panel. How do I discover this. I have called my local Kensington Mortgage branch but they have not got back to me yet.
Have you tried speaking to your lawyer about this?. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Kensington Mortgage.
We are getting closer to an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Kensington Mortgage. Apparently, being on the Kensington Mortgage conveyancing panel and acting on their behalf he must inform Kensington Mortgage if the balance of the mortgage advance is coming from anyone other than me. I advised the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for him to raise this?
Your lawyer is obliged to check with Kensington Mortgage to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Kensington Mortgage if you agree, failing which, your lawyer must cease to continue acting.
Is it necessary during the course of the conveyancing process to have a meeting at the offices of the Kensington Mortgage conveyancing panel solicitor to sign the legal charge? If so, I will choose one who does conveyancing in London
so that I can attend their offices if necessary.
Most conveyancing panel lawyers for Kensington Mortgage undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
I am buying a terraced house and getting a mortgage with Kensington Mortgage. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
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 previously instructed online solicitors located in London who are on the Kensington Mortgage solicitor panel. They are now charging me a separate fee of £135 for the legal aspects of the Kensington Mortgage mortgage. Is this a supplemental conveyancing fee set by Kensington Mortgage?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Kensington Mortgage but by your lawyers. Some firms on the Kensington Mortgage will charge an ‘acting for lender’ fee and others do not.
I was thinking of purchasing my friend’s property. Once we agree a price, what’s the best way to move forward? I plan to obtain a mortgage with Kensington Mortgage. Is there anyway to cut out the solicitors to save us both money? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with Kensington Mortgage involved you will need to appoint a solicitor on the Kensington Mortgage conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Kensington Mortgage. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Kensington Mortgage conveyancing panel.
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called Kensington Mortgage on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Kensington Mortgage conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
Your lawyer has to follow the CML Handbook Part 2 requirements for Kensington Mortgage. Unless your lawyer obtains specific confirmation in writing that Kensington Mortgage will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Kensington Mortgage to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
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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