Are all Kenton Conveyancing Quality Solicitors on the TSB conveyancing panel?
It is true that some banks and building societies now use the accreditation scheme as the kick off point for Panel approval such as HSBC and Santander. CQS membership however gives no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their approved list of conveyancing solicitors.
We expect to receive a AIP from RBS 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 RBS recommend any Kenton solicitors on the RBS conveyancing panel, or is it better to go independently?
You will need to appoint Kenton solicitors independently although you'll need to choose one on the RBS conveyancing panel. The solicitor represents both you and RBS through the process.
I am currently in the process of buying my council flat in Kenton. I have a mortgage agreed with Principality. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Principality, you will need to appoint a solicitor on the Principality conveyancing panel.
Do I need to pay for insurance to cover chancel repairs when buying a house in Kenton?
Unless a previous acquisition of the house completed post 12 October 2013 you could assume that conveyancing practitioners conducting conveyancing in Kenton to remain encouraging a chancel search and or chancel repair liability insurance.
I have recentlybecome aware that Stirling Law have closed. They carried out my conveyancing in Kenton for a purchase of a freehold house 9 months ago. How can I check that the property is in my name in the name of the previous owner?
The quickest method to check if the property is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Kenton conveyancing specialists.
Due to the guidance of my in-laws I had a survey completed on a house in Kenton before appointing solicitors. I have been advised that there is a flying freehold aspect to the property. My surveyor advised that some lenders tend refuse to grant a loan on such a property.
It varies from the lender to lender. Santander has different requirements from Halifax. Should you wish to call us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Kenton. Conveyancing may be slightly more expensive based on your lender's requirements.
Should I cancel my mortgage payments with Co-operative as soon as a completion date for my sale in Kenton has been set?
No, you should keep paying any mortgage sums to Co-operative until the mortgage is repaid out of the proceeds of sale as part of your Kenton conveyancing.