I am in the throes of swapping over from my current residential loan to a BTL Aldermore mortgage. The bank has said that I require a lawyer for this. I spoke to my former Chesterton conveyancing practitioner who acted on my behalf when I initially purchased the premises. The fee calculation sent of £470 has taken me by surprise as its a remortgage than a sale or purchase.
The estimate fees appear a little high. If you shop around you could get the conveyancing a bit cheaper by say £125. That being said, if you were happy with the service the firm gave you maylive to rue choosing an an untested solicitor. If is important to be sure the conveyancer can represent Aldermore. Do employ our search tool to find a Chesterton conveyancing firm on the Aldermore conveyancing panel, which can often include conveyancing solicitors in Chesterton.
We are acquiring a new build apartment in Chesterton and my lawyer is telling me that she has to the lender to disclose incentives from the seller. The Estate Agents are hassling me to exchange contracts and I have no desire to prolong deal. is my lawyer playing by the book?
You should not exchange unless you have been advised to do so by your solicitor. A precondition to being on a bank panel is to comply with the UK Finance Lenders’ Handbook specifications. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
We are purchasing a house and need a conveyancing solicitor in Chesterton who is on the Santander approved panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Santander . We don't recommend any particular firms conducting conveyancing in Chesterton.
I am helping my step-mother sell her property in Chesterton. Will the solicitor commission an EPC or should I organise this?
Following the abolition of HIPs, EPC’s remained a required component of selling a property. An energy assessment should be to hand prior to the property being advertised. It is not a task that conveyancers normally arrange. If you are instructing a Chesterton conveyancing lawyer they may help arrange EPC’s given their contacts with long established Chesterton assessors
We are buying a 3 bedroom semi in Chesterton. Our aim is to an extension at the rear at the house.Will the conveyancing process involve enquiries to ascertain if these alterations were previously refused?
Your solicitor will check the registered title as conveyancing in Chesterton can sometimes identify restrictions in the title documents which restrict certain alterations or require the permission of another owner. Certain additions call for local authority planning permissions and approval in accordance building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be sensible to check these things with a surveyor ahead of any purchase.
The formalities of my purchase has taken place for my property in Chesterton. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team 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 who will take matters further.
A relative recommended that where I am purchasing in Chesterton I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is occasionally quoted for as part of the standard Chesterton conveyancing searches. It is not a small document of about 40 pages, listing and detailing significant information about Chesterton around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Chesterton Education with maps and statistics, Local Amenities and other useful data about Chesterton.
Me and my brother own a semi-detached Georgian house in Chesterton. Conveyancing solicitor represented me and Nationwide Building Society. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold under the exact same property. I thought I was buying a freehold how can I check?
You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Chesterton and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with the conveyancing practitioner who completed the work.