I am in the throes of switching my current homeowner home loan to a Buy to Let Accord Mortgages Ltd mortgage. I was told by my financial advisor that I must appoint a conveyancer for this. I got in contact with my former Flitwick conveyancing solicitor who acted on my behalf when I initially acquired the premises. The fee calculation e-mailed to me of just over five hundred pounds has taken me by surprise as I am not require purchase conveyancing - it’s simply a straightforward remortgage.
The estimate does seem a little overpriced. Where you are content to spend time comparing quotes you may be able to decrease the fees marginally by say a hundred pounds. On the other hand, providing that you were pleased with the service the firm gave you maylive to rue choosing an an untested conveyancer. Don't forget to check the conveyancer can act for Accord Mortgages Ltd. You can employ our search tool to select a Flitwick conveyancing firm on the Accord Mortgages Ltd approved list of lawyers, which can often include conveyancing solicitors in Flitwick.
I am purchasing a 4 bedroom semi-detached house in Flitwick. The intention is to an extension at the rear at the house.Will legal investigations on the property include enquiries to ascertain if these works are permitted?
Your conveyancer should check the deeds as conveyancing in Flitwick will on occasion identify restrictions in the title deeds which prohibit categories of changes or require the permission of a 3rd party. Many extensions need local authority planning permissions and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these things with a surveyor prior to committing yourself to a purchase.
I am purchasing a property in Flitwick. One unusual aspect is that the roof has a solar panel. Bank of Ireland have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with Bank of Ireland your lawyer must comply with the formal instructions outlined in Part 2 of UK Finance Lenders’ Handbook for Bank of Ireland. The Council of Mortgage Lenders’ Handbook sets out minimum specifications for solar panel roof-space leases, and conveyancing practitioners are required to report to Bank of Ireland where a lease does not meet these requirements. The specifications relate to the installation of panels on properties countrywide and is not restricted to Flitwick.
Principality have agreed my home loan in principle, my bid on a apartment in Flitwick has been accepted, now what?
The property agent will wish to know who your solicitors are (make sure the conveyancers are on the lender’s approved list). Contact Principality or the financial adviser and complete any appropriate documentation. Principality will appoint a valuer who will get in contact with the estate agent or vendor to book an appointment. Once conducted (assuming no problems) it takes about a week to receive the mortgage offer. Principality will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Flitwick.
I used Wolstenholmes several years ago for my conveyancing in Flitwick. Now, I need the documents but the law firm has closed. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Flitwick of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I decided to have a survey completed on a property in Flitwick in advance of retaining conveyancers. I have been told that there is a flying freehold overhang to the property. The surveyor has said that some mortgage companies may refuse to give a mortgage on a flying freehold home.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. If you contact us we can investigate further 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 Flitwick. Conveyancing will be smoother if you use a solicitor in Flitwick especially if they are accustomed to such properties in Flitwick.
Do I need to be concerned by estate agents that I am dealing with are encouraging me to use a nationwide conveyancing firm as opposed to a High Street Flitwick conveyancing company?
As is the case with lots of service providers, often input from family and friends can be worth their weight in gold. Nevertheless there are lots of players in a conveyancing matter; estate agents, mortgage brokers and banks may put forward conveyancers to retain. On occasion the conveyancers might be known to one of the organisations as experts in their field, but occasionally there exists a commercial relationship behind the recommendation. You have the right to choose your preferred lawyer. You need to be aware that most lenders specify a panel list of solicitors you are obliged to use for the lender aspect of your conveyancing.
My cousin has recommend that I instruct his conveyancers in Flitwick. Should I use them?
Much as we are happy to recommend a Flitwick conveyancing lawyer it’s preferable to choose a conveyancing practitioner is to get feedback from friends or relatives who have actually previously instructed the solicitor you're contemplating using.