Hinckley and Rugby Solicitor Panel Example Support Desk Enquires from members of the public
I appointed a firm of solicitors to work on my remortgage six weeks ago having applied for a mortgage with Hinckley and Rugby. The firm assured me that they are on Hinckley and Rugby conveyancing panel and provided me their panel reference. Hinckley and Rugby then told me that their panel number was dormant and would need to be reactivated. What happens next? Do I instruct a different law firm listed on the conveyancing panel for Hinckley and Rugby?
You may be very frustrated with the lawyer but if it only go take a few more days they it may be worth waiting as, depending on how far progressed you are you may end up delaying the transaction by a number of weeks if you need to replace your solicitor You may wish to enlist the help of your broker to check with the Hinckley and Rugby as to how long they think it will take to get the firm to get back on the panel.
My husband and I changing mortgage lender for our maisonette with Hinckley and Rugby. We have a son 18 who lives with us. The solicitor on the Hinckley and Rugby conveyancing panel requested us to identify anyone over the age of 17 other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this form unique to the Hinckley and Rugby conveyancing panel as he never had to sign this form when we bought 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Hinckley and Rugby .This is solely used to protect the Hinckley and Rugby if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.
It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Hinckley and Rugby had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am looking to buy a flat and require a conveyancing solicitor in Newcastle who is on the Hinckley and Rugby solicitor. Could you point me in the right direction as regards a solicitor?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Hinckley and Rugby . We don’t recommend any particular firm.
My aunt passed away six months ago and as sole heir and executor was left the house. The house had a small mortgage left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Hinckley and Rugby , pay off the mortgage etc. Is this allowed?
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.
How can we tell if a solicitor on the Hinckley and Rugby panel is any good?
seeking recommendations is a sensible start. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the solicitor handling your transaction
I currently have a mortgage with with Hinckley and Rugby. Conveyancing has been completed months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Hinckley and Rugby?
Hinckley and Rugby must be informed of your intention in advance of renting your property as this is likely to be a breach of Hinckley and Rugby’s mortgage conditions. It may be that Hinckley and Rugby will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Hinckley and Rugby directly. You need not do this via a Hinckley and Rugby conveyancing panel lawyer.
I was told two weeks ago that my mortgage has been agreed
to by Hinckley and Rugby. Is it usual for Hinckley and Rugby to only issue the offer once my
solicitor is approved on their conveyancing panel?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Hinckley and Rugby to deal with your lawyers application to be on the Hinckley and Rugby conveyancing panel. There's no guarantee that your solicitors will be accepted.