I am purchasing a flat in Harrow on the Hill. My property lawyer is not on the lender solicitor list. Can I still continue with my Harrow on the Hill conveyancing solicitor even though they are excluded from the lender panel?
You have a number of alternatives available to you here
- Carry on with your existing Harrow on the Hill solicitor but your lender will need to retain a lawyer on their approved panel. This will result in additional fees together with probable delay.
- Get a new lawyer to act in the purchase, obviously checking they are on the lender conveyancing panel.
- Appeal to your conveyancer to seek to join the mortgage company panel
Can I use your services to find a Conveyancing solicitor in Harrow on the Hill even if I’m not purchasing or disposing of a house, for instance where I intend to acquire a shop in Harrow on the Hill with a mortgage from Godiva Mortgages Ltd?
Our search tool is mainly there to get a quote from residential conveyancing solicitors in Harrow on the Hill but we have listed at the bottom of this page a few Harrow on the Hill commercial conveyancing firms. You will need to enquire with the company directly to check if they can also act for Godiva Mortgages Ltd
If you had a top tip for selecting a conveyancing solicitor in Harrow on the Hill what would it be?
It would be unwise to be seduced by the cheapest Harrow on the Hill conveyancing costs illustration. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
We have agreed to purchase a house in Harrow on the Hill. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Santander be concerned?
As your lender is Santander your lawyer must check the formal instructions outlined in Section two of UK Finance Lenders’ Handbook for Santander. The CML Handbook contains minimum provisions for solar panel roof-space leases, and solicitors are required to report to Santander where a lease does not comply with these requirements. The provisions relate to the installation of panels on properties in England and Wales and is not limited to Harrow on the Hill.
The formalities of my remortgage has taken place for my property in Harrow on the Hill. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services 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 with full details of your complaint.
Due to the encouragement of my in-laws I had a survey completed on a house in Harrow on the Hill before instructing conveyancers. I have been informed that there is a flying freehold overhang to the house. The surveyor has said that some mortgage companies tend refuse to issue a loan on such a property.
It varies from the lender to lender. Santander has different instructions from Nationwide. Should you wish to call us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Harrow on the Hill. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Harrow on the Hill to see if the conveyancing will be more expensive.
My husband and I are first time buyers - had an offer accepted, yet the selling agent advised that the seller will only move forward if we instruct the agent's recommended lawyers as they want an ‘expedited deal’. My instinct tells me that we should use a high street solicitor used to conveyancing in Harrow on the Hill
It is improbable the sellers are driving this. If they require ‘a quick sale', turning down a serious purchaser is going to damage their objectives. Try to communicate with the sellers directly and make the point that (a)you are motivated buyers (b)you are ready to go, with mortgage lined up © you are unencumbered (d) you intend to proceed fast (e)but you are going to instruct your own,trusted Harrow on the Hill conveyancing solicitors - as opposed tothe ones that will provide the estate agent a referral fee or hit his conveyancing thresholds pre-set by corporate headquarters.
I am buying a garden apartment in Harrow on the Hill. Conveyancing lawyer has been awaiting, from the seller, building insurance documents. Earlier today I was informed that the vendor must send the insurance documents for the flat above in addition. Why does my conveyancing practitioner need to review the insurance for the other flat? Is it really required? We have been stalled for the previous 2 weeks…
It is not unheard of in leasehold conveyancing in Harrow on the Hill to discover Conveyancing in Harrow on the Hill in a minority of cases reveals that the lease provides for the leasehold owners to insure their individual flats as opposed to the freeholder insuring the complete block - which is clearly better. You should clarify with your conveyancing practitioner but it would seem that your conveyancer is attempting to establish that the complete building is insured. Insuring a ground floor residence is no help when it comes to rebuilding after a fire if the 1st floor cannot be reconstructed due to lack of insurance cover.