I can't travel far from Angel. Can you please spell out why all Angel conveyancing practitioners aren't automatically on all lender panels?
As unjust as it may appear for mortgage companies to restrict who can represent them, from the public’s or solicitor’s perspective, the flip side is that banks are becoming ever more anxious and regard it imperative to defend themselves from illegal activities. As a consequence of this concern banks have reduced their conveyancing panel to a size that they are happy to control.
Can I use your services to find a Conveyancing solicitor in Angel even if I’m not buying or selling a house, for instance where I want to buy an office in Angel with a loan from TSB?
Our search tool is predominantly there to help choose residential conveyancing solicitors in Angel but we have set out towards the end of this page a few Angel commercial conveyancing firms. You should enquire with the firm directly to check if they can also act for TSB
I am expecting a AIP from Bank of Ireland this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Angel solicitors on the Bank of Ireland conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Angel solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
I'm spending time viewing apartments in Angel and I am about to put in an offer. Is it sensible to have my conveyancing practitioner on ‘stand by’? I intend to finance via a mortgage with Aldermore.
You should start obtaining conveyancing estimates from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the EA. Given that you are obtaining a mortgage with Aldermore, ask your prospective lawyers if they are on the Aldermore conveyancing panel otherwise they can't do the mortgage legal work.
UBS have agreed my home loan in principle, my offer on a house in Angel has been agreed to, what are the next steps?
Your estate agent will need to be informed of your solicitor's details (ensure that the conveyancing practitioners are on the lender’s approved list). Contact UBS or your financial adviser and complete any outstanding paperwork. UBS will sellect a valuer who will get in contact with the selling agent or owners to schedule a slot for the valuation to happen. Once carried out (assuming no problems) it takes approximately ten days for the mortgage offer to be issued. UBS will send the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Angel.
My colleague suggested that if I am purchasing in Angel I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally included in the estimate for your Angel conveyancing searches. It is a large document of more than thirty pages, listing and detailing important information about Angel around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Angel Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Angel Education with maps and statistics, Local Amenities and other useful information regarding Angel.
How easy is it to use the search tool to locate a conveyancing solicitor in Angel on the panel for my mortgage?
Step one is to select a bank such as Halifax, Bank of Scotland or Nottingham Building Society then choose your preferred area for example Angel. Conveyancing practices in Angel and beyond should be listed.