It may have been a long time coming a mortgage offer from HSBC for the refinancing of my single room flat is due by the end of next week. Could you put forward a cheap conveyancing solicitor in Admaston?
You are on the wrong site if you are seeking the lowest fares for conveyancing in Admaston. Our goal is to offer excellent value conveyancing but we do not work with the cheapest lawyers. Avoid the trap of appointing companies teasing you with £100 conveyancing in Admaston. Optimistically, in being led by cheap conveyancing, you will end up with what you pay for and at worst you will end up being stung for extras and still not end up with the service required.
We were just about to sign contracts for a freehold house in Admaston. We encountered a stumbling block. The mortgage offer with Virgin Money expires on 29/12/2025 but the sellers are insisting on a completion date of 31/12/2025. Can one extend the mortgage expiry date?
The person best placed to address this question is your lawyer who is in a position to determine if he or she is better off negotiating with the mortgage broker, seller’s conveyancers, estate agents or possibly all three given the circumstances your transaction to date.
It is is a decade since I purchased my home in Admaston. Conveyancing lawyers have now been appointed on the sale but I can't track down my title deeds. Is this a major issue?
You need not be too concerned. Firstly the deeds may be kept by the mortgage company or they may stored with the solicitor who acted in the purchase. Secondly in most cases the land will be registered at the land registry and you will be able to establish that you own the property by your conveyancing solicitors obtaining current official copies of the land registers. The vast majority of conveyancing in Admaston relates to registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
We had selected solicitors locally in Admaston on the Yorkshire BS solicitor approved list. They are now charging me a separate charge for handling the Yorkshire BS mortgage. Is this an additional conveyancing fee specified by Yorkshire BS?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your conveyancer can levy a fee for this. This charge is not set by Yorkshire BS but by your Admaston solicitor. Plenty of firms on the Yorkshire BS panel will charge ’dealing with mortgage’ fee but plenty of firms include it on their overall fee.
Last month we had a mortgage agreed in principle with Santander. Admaston conveyancing lawyers are selected. What is the average time that one could expect to receive a mortgage offer from Santander?
There is no definitive answer here. Have Santander conducted the valuation? Have you advised Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
Completion of my purchase has taken place for my property in Admaston. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
Due to the input of my in-laws I had a survey completed on a property in Admaston ahead of instructing lawyers. I have been advised that there is a flying freehold element to the property. My surveyor has said that some lenders tend not issue a loan on a flying freehold property.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Admaston. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Admaston to see if the conveyancing costs will increase in light of this.
I'm converting the mortgage on my primary property to a buy to let mortgage with Coventry Building Society and I will use the ballance of the raised equity as a deposit on a second house. The neighborhood we are talking about is Admaston. Will your lawyers be able to act for both sets of lenders and link together the two deals?
Do use our comparison tool on this site to be sure that the solicitors are on the relevant lender panels. Assuming that they are the solicitor will be able to simultaneously deal with the two transactions but you should have a chat with you solicitor and communicate your desired outcome and needs.