I selected a high street lawyer for our conveyancing in Hampden Pk last week. Looking through the official terms of business I notewe are on the hook for charges even if our purchase aborts. Should I go with them or use a web based firm offering no completion no charge conveyancing in Hampden Pk?
It is usually a trade off in that if "No Sale No Fee" is offered then the conveyancing charges will generally be uplifted to offset the transactions that do not go ahead. Please beware that such arrangements tend not to protect you from outlay such as Hampden Pk conveyancing search fees.
We are expecting a mortgage offer soon. The bank mentioned the home loan came with free conveyancing. Does this mean I have to instruct their panel conveyancer as I would prefer to instruct a Hampden Pk based conveyancing firm?
Do check but the chances are that appoint one of their panel conveyancers should you accept the "fee-free" deal. Speak to the bank and ask if they make available a monetary alternative. Some mortgage companies have previously offered a £250 cashback as an alternative in which case that money can go towards the cost for your conveyancing solicitor near Hampden Pk.
Me and my brother own a 4 bedroom Victorian house in Hampden Pk. Conveyancing lawyer acted for me and HSBC Bank. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?
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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Hampden Pk 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 mortgage companies. You can also check the situation with your conveyancing practitioner who conducted the conveyancing.
Due to the encouragement of my in-laws I had a survey completed on a house in Hampden Pk prior to appointing lawyers. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some lenders will refuse to grant a mortgage on such a premises.
It varies from the lender to lender. Santander has different requirements for example to Halifax. Should you wish to call us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Hampden Pk. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hampden Pk to see if the conveyancing will be more expensive.
I need to appoint a conveyancing solicitor for purchase conveyancing in Hampden Pk. I've chance upon a site which seems to have the perfect offering If there is a chance to get all formalities done via phone that would be ideal. Do I need to be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
Do I need to pop into the offices of the lender conveyancing panel solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Hampden Pk as it will be easier to pop in to their offices when needed.
Whereas this was necessary 15 years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Hampden Pk.