Having been recommended your service we were about to use a conveyancing solicitor in Fleet recommended on your site but have come across alternative quotes on the internet look less pricey – how come?
You can find many firms of firms promoting self styled cheap conveyancing, unfortunately it’s common in such cases for extracosts result in the completion invoice being escalated. In accordance with regulatory requirements costs listed in terms and conditions should be equitable and be applied The conveyancers that we list for conveyancing in Fleet genuinely set out all charges for the property you plan topurchase.
Is it correct that all Fleet CQS (Conveyancing Quality Scheme) solicitors are on the TSB conveyancing panel?
It is true that some lenders now utilise the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to remain on their approved list of firms.
When it comes to lenders such as TSB, do Fleet lawyers have to pay an annual charge to be on the list of approved solicitors?
We are unaware of any lender fees to register on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.
I am due to exchange contracts on my flat. I had a double glazing fitted in August 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, HSBC are being a right pain. The Fleet solicitor who is on the HSBC conveyancing panel is recommending indemnity insurance as a solution but HSBC are insisting on a building regulation certificate. Why do HSBC have a conveyancing panel if they don't accept advice from them?
It is probably the case that HSBC have referred the matter to their valuer. The reason why HSBC may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I have a semi-detached Edwardian property in Fleet. Conveyancing practitioner acted for me and Lloyds TSB Bank. I did a free Land Registry search last week and there are a couple of entries: one for freehold, the second leasehold with the exact same property. I thought I was buying a freehold how can I check?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Fleet and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the situation with the conveyancing practitioner who carried out the work.
I am buying a new build house in Fleet with a loan from Alliance & Leicester . The sellers would not move on the amount so I negotiated 6k of fixtures and fittings instead. The house builders rep suggested that I not to tell my conveyancer about this deal as it will adversely affect my mortgage with Alliance & Leicester . Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the UK Finance website. UK Finance form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I decided to have a survey completed on a house in Fleet ahead of retaining solicitors. I have been advised that there is a flying freehold element to the house. Our surveyor has said that some mortgage companies may not issue a mortgage on a flying freehold house.
It depends who your proposed lender is. HSBC has different instructions from Halifax. If you e-mail us we can investigate further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Fleet. Conveyancing may be slightly more expensive based on your lender's requirements.
Given that I will soon spend £400,000 on a house in Fleet I wish to have a conversation with the solicitor about myconveyancing prior to instructing the firm. Is this something that you can arrange?
We could not agree more - we would be pleased to talk to you we do not take any clients on without you first talking to the lawyer who will be carrying out your property ownership legalities in Fleet.There is no ‘factory style conveyancing’ - every client is an important individual, not a matter reference. The practices that we put you in touch with believe that the figure you are provided with for residential conveyancing in Fleet should be the amount on the final invoice that you are charged.