My best friend’s uncle is a property lawyer. I am hopeful that I will receive preferential fee for conveyancing, but if not, what kind of fees should I be paying for conveyancing in Chandlers Ford?
It’s wise to get 3 or more like-for-like conveyancing quotes. Do use our search tool on this page. The prices will contrast greatly but the service one can expect differ between law firms as is true with the vast majority of professional services.
My grandmother passed away 10 months ago and as sole heir and executor I was left the property in Chandlers Ford. The house had a relatively small loan left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Lloyds, pay off the mortgage. Is this allowed?
If you plan to re-mortgage then Lloyds will insist on your using a conveyancer on the Lloyds 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 Lloyds 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 Lloyds mortgage is registered as a charge at the Land Registry.
Can I be sure that the Chandlers Ford conveyancing solicitor on the Bank of Ireland panel is any good?
When it comes to conveyancing in Chandlers Ford 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 advertising the lowest fees. We would always advocate that you speak with the solicitor carrying out your transaction.
I am expecting a DIP from HSBC this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do HSBC recommend any Chandlers Ford solicitors on the HSBC conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Chandlers Ford solicitors independently although you'll need to choose one on the HSBC conveyancing panel. The solicitor represents both you and HSBC through the process.
Planning on purchasing a apartment in Chandlers Ford. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Bank of Ireland conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Chandlers Ford lawyer is on the Bank of Ireland conveyancing panel.
My wife and I are downsizing from our property in Chandlers Ford and according to the buyers it appears that there is a possibility that the property was built land that was not decontaminated. Any high street Chandlers Ford lawyer would know that there is no such problem. For the life of me I don't know why the buyers used a web based conveyancing outfit as opposed to a conveyancing solicitor in Chandlers Ford. We have lived in Chandlers Ford for 5 years we know of no issue. Do we get in touch with our local Authority to seek clarification that there is no issue.
It would appear that you have a conveyancing solicitor currently acting for you. What do they say? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
I decided to have a survey done on a house in Chandlers Ford before appointing conveyancers. I have been told that there is a flying freehold aspect to the property. Our surveyor has said that some lenders may not give a loan on such a home.
It varies from the lender to lender. Santander has different instructions from Halifax. If you call us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Chandlers Ford. Conveyancing may be slightly more expensive based on your lender's requirements.
Our lawyer in Chandlers Ford has identified a a legal deficiency with the lease for the apartment we are buying in Chandlers Ford. The other side have suggested defective title insurance as a workaround. We are happy with insurance and will pay for it. Our solicitor has advised that as he is on the mortgage company conveyancing panel he must ensure that the lender is happy with this solution. Are we the client or is the mortgage company?
Just because you have a mortgage offer from the bank does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Chandlers Ford conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the mortgage company are the client. These conveyancing instructions have to be complied with by the mortgage company conveyancing panel who has to balance acting for you and the lender