We opted for a local solicitor for our conveyancing in Houghton Regis last week. Upon checking the small print I seeI am responsible for charges even if the dealdoes not proceed. Would I be best advised to use an on-line firm who offer no completion no charge conveyancing in Houghton Regis?
Generally there is a concession along the lines that if "No Sale No Fee" is offered then the fee levels will generally be higher to neutralise the conveyances that fail to complete. Do bear in mind that these offerings rarely protect you from disbursements for instance Houghton Regis conveyancing search costs.
Our conveyancer has identified a defect with the lease for the apartment we are buying in Houghton Regis. The other side have suggested defective title insurance as a workaround. We are happy with insurance and will cover the costs. Our solicitor has advised that he must check that the mortgage company is happy with this solution. Are we the client or is the mortgage company ?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the bank are the client. Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook provisions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the mortgage company can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your conveyancing practitioner will have no choice but to discontinue acting for you.
Can your site be used to locate a Conveyancing solicitor in Houghton Regis even if I’m not buying or selling a house, for example where I want to buy an office in Houghton Regis with a loan from Chelsea Building Society?
Our search tool is mainly utilised to help choose residential conveyancing solicitors in Houghton Regis but we have listed at the bottom of this page some Houghton Regis commercial conveyancing firms. You should enquire with the solicitors directly to see if they are also authorised to represent Chelsea Building Society
We just had an offer accepted to buy with Norwich and Peterborough Building Society. I called into a few high street practices yet am unable to find a Houghton Regis conveyancing firm on the Norwich and Peterborough Building Society panel. Could you help?
You should take advantage of the search tool on this site. Pick the mortgage company and type Houghton Regis or your preferred area and you will see a number of lawyer located in Houghton Regis or nearest you.
We previously instructed conveyancers located in Houghton Regis on the Coventry BS solicitor panel. They have just billed me a separate fee for handling the Coventry BS mortgage. Is this an additional conveyancing fee specified by Coventry BS?
Provided it is contained in their Terms and Conditions or estimate then yes your conveyancer is entitled to charge a fee for this. The charge is not dictated by Coventry BS but by your Houghton Regis conveyancing practitioner. Plenty of firms on the Coventry BS panel will levy ’dealing with mortgage’ fee and others do not.
We expect to receive a AIP from Aldermore this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Aldermore recommend any Houghton Regis solicitors on the Aldermore conveyancing panel, or is it better to go independently?
You will need to appoint Houghton Regis solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
I have decided to exercise my right to buy my property in Houghton Regis off the council. I have a mortgage agreed with Lloyds. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Lloyds, you will need to appoint a solicitor on the Lloyds conveyancing panel.
How simple is it to swap solicitor as I need to instruct one who is on the Norwich and Peterborough Building Society conveyancing panel. I instructed a high street conveyancing solicitor in Houghton Regis five minutes from me but he is not approved by Norwich and Peterborough Building Society
It would be our pleasure to help you select a conveyancing solicitor in Houghton Regis on the Norwich and Peterborough Building Society panel. Please note that the conveyancers that we work with do not pay us fee if you instruct them and are fully regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Houghton Regis. Using search facility on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Houghton Regis.