I am expecting a mortgage offer from Halifax. My intention is to employ the services of a Licensed Conveyancer in Harwell. Does the Halifax Solicitor panel include Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
We are expecting a mortgage offer soon. The lender mentioned the loan came with free conveyancing. Does this mean I have to appoint their panel conveyancer as I would prefer to appoint a local conveyancing solicitor in Harwell?
You should check but the chances are that allocate you one of their panel solicitors if you want the "fee-free" offer. Speak to the bank to ask if they make available a cash alternative. In the past a few lenders offered a £250 cashback as an alternative in which case that money can go towards your preferred conveyancing solicitor near Harwell.
What can a local search inform me regarding the property I am purchasing in Harwell?
Harwell conveyancing often starts with the submitting local authority searches directly from your local Authority or through a personal search company such as Searches UK The local search is essential in every Harwell conveyancing purchase; that is if you don’t want any unpleasant once you have moved into your property. The search should provide data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic sections.
I am buying my first flat in Harwell with a loan from Nationwide Building Society. The sellers refused to budge the amount so I negotiated 6k of fixtures and fittings instead. The estate agent told me not disclose to my solicitor about the extras as it could impact my mortgage with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML 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 am looking for a leasehold apartment up to £195,000 and identified one round the corner in Harwell I like with a park and station in the vicinity, the downside is that it only has 49 remaining years left on the lease. There is not much else in Harwell suitable, so just wondered if I would be making a mistake acquiring a short lease?
If you require a home loan that many years will likely be an issue. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the premises for a minimum of twenty four months you may ask them to start the process of the extension and then assign it to you. You can add 90 years to the existing lease term with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.
Finally, a mortgage agreement from a mortgage company for the refinancing of my 3 bedroom maisonette is due imminently. Can you recommend a low cost remortgage conveyancing solicitor in Harwell ?
You have come to the wrong place to search for the lowest fares for conveyancing in Harwell. We can offer you excellent value conveyancing but we do not work with the cheapest lawyers. Avoid the trap of appointing brokers offering £99 conveyancing in Harwell.At best, in opting for cheap conveyancing, you will end up with what you pay for and at worst you will end up paying a lot in extras and still not get the service expected.