Kent Reliance Solicitor Panel Sample Enquires to our Call Center from members of the public
I am hoping to receive a mortgage with Kent Reliance. I hope to retain the legal services of a Licensed Conveyancer. Does the Kent Reliance Conveyancing panel allow for Licensed Conveyancers
Kent Reliance’s approved solicitor list is, like many other lenders represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
Our conveyancer has uncovered a defect with the lease for the flat we are purchasing. The other side have suggested title insurance as a solution. We are content with insurance and will cover the costs. Our lawyer has advised that as he is on the Kent Reliance conveyancing panel he must check that the lender is happy with this solution. Who is the client here, us or Kent Reliance?
Just because you have a mortgage offer from Kent Reliance does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Kent Reliance are the client. The appropriate lender requirements have to be complied with by the Kent Reliance conveyancing panel who has to balance acting for you and Kent Reliance
I require the services of a Kent Reliance panel solicitor in Belfast. Could you help me?
Unfortunately it’s not apparent why you need a Kent Reliance panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Kent Reliance to find out which solicitors in Kent Reliance are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
We're in Birmingham, FTBs buying with a mortgage (lender is Kent Reliance , but our solicitor is on the Kent Reliance conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Kent Reliance conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
The mortgage over my property is with Kent Reliance. Conveyancing has been completed a year ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Kent Reliance?
You must advise Kent Reliance in advance of letting out your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. It may be that Kent Reliance will allow you to rent 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 Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel lawyer.
I can not work out if my mortgage offer requires a lease extension . I have called into my local branch Kent Reliance on various occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Kent Reliance 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 Kent Reliance. Unless your lawyer obtains specific confirmation in writing that Kent Reliance 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 Kent Reliance to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
After much negotiation I have agreed a price on an apartment. My financial adviser recommended their conveyancers I paid an upfront payment of 175. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Kent Reliance conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Kent Reliance panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
