FAQs : The Hinckley and Rugby Conveyancing Panel from members of the public
My mortgage broker has asked me for my solicitor’s panel member for the Hinckley and Rugby conveyancing panel. How do I discover this. I have tried my local Hinckley and Rugby office but they have not responded to me.
You are best placed to get this information from your conveyancing lawyer. 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 Hinckley and Rugby.
Our grandson is in the process of securing a new build apartment with a mortgage from Hinckley and Rugby. His conveyancer has said that there is a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties involved in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Hinckley and Rugby conveyancing panel as a standard part of the process, and to the surveyor when asked.
The Developer will be required to start the process by downloading the form and completing it.
The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Hinckley and Rugby conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
I note that you have a post code search directory listing solicitors on the Hinckley and Rugby conveyancing panel. Do firms pay you a commission if I appoint them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Hinckley and Rugby conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
My grandmother passed away six months ago and as sole heir and executor was left the house. The house had a relatively small loan remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Hinckley and Rugby , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Hinckley and Rugby will insist on your using a conveyancer on the Hinckley and Rugby conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Hinckley and Rugby conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Hinckley and Rugby mortgage is registered as a charge at the Land Registry.
The for formalities of my remortgage has taken place with a loan from Hinckley and Rugby. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about Hinckley and Rugby. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the Hinckley and Rugby branches or the Customer Care Department at Hinckley and Rugby head office. We understand that complaints to Hinckley and Rugby are resolved very quickly. However if you are not satisfied that the matter is resolved you can write to the
Financial Ombudsman Service with full details of your complaint.
I can not work out if my mortgage offer requires a lease extension . I have called into my local branch Hinckley and Rugby on various occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Hinckley and Rugby 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 Hinckley and Rugby. Unless your lawyer obtains specific confirmation in writing that Hinckley and Rugby 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 Hinckley and Rugby to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What should be my next step? When should I get the mortgage app going with Hinckley and Rugby?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Hinckley and Rugby conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Hinckley and Rugby and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.