Examples of recent questions relating to the Keystone Property Finance Conveyancing Panel from members of the public
I have been advised by my broker that I have to pay Keystone Property Finance fees should I instruct my family lawyer. How efficient are the Keystone Property Finance conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH provided that they are good and reasonably priced. Are there any Keystone Property Finance conveyancers you'd recommend?
Keystone Property Finance’s conveyancing panel is pretty large so it would be advisable to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Keystone Property Finance will allow to act for them.
My wife and I changing mortgage lender for our apartment with Keystone Property Finance. We have a son 18 who lives with us. The solicitor on the Keystone Property Finance conveyancing panel has asked us to disclose 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, waiving any legal rights in the event that the apartment is repossessed. I have two concerns (1) Is this form unique to the Keystone Property Finance conveyancing panel as he never had to sign this form when we remortgaged 4 years ago (2) Does our son by signing this giving up his rights 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 Keystone Property Finance .This is solely used to protect the Keystone Property Finance 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 Keystone Property Finance 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.
Your search tool is useful but there are many lawyers listed near Leeds on the Keystone Property Finance conveyancing panel. Can you recommend a specific firm on the Keystone Property Finance approved panel?
We do not recommend specific firms as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
I am purchasing a garden flat and getting a mortgage with Keystone Property Finance. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Keystone Property Finance conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Keystone Property Finance conveyancing panel in your location.
My husband and I are in the throws of looking at apartments and am about to put in an offer. Should I already have a conveyancer appointed at this stage? I will be getting a home loan with Keystone Property Finance
You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with Keystone Property Finance , ask your prospective lawyers check they are on the Keystone Property Finance conveyancing panel otherwise they can't do the mortgage legal work.
Can I register a complaint to Keystone Property Finance about the lawyers being on the Keystone Property Finance conveyancing panel?
There is little point in complaining directly to Keystone Property Finance. Every solicitor firm and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.
The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.
If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.
I am due to exchange contracts on my house. I had a double glazing fitted in month 8 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Keystone Property Finance are being pedantic. The solicitor who is on the Keystone Property Finance conveyancing panel is saying indemnity insurance will be fine but Keystone Property Finance are insisting on a building regulation certificate. Why do Keystone Property Finance have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Keystone Property Finance have referred the matter to their valuer. The reason why Keystone Property Finance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.