The solicitor who helped my last purchase has given a fee estimate just over a thousand pound for fixed fee conveyancing in Kettering. I am looking to sell a Georgian property for £225,000. Are the quoted fees excessive? Is it in excess of the average fee for conveyancing in Kettering?
The charges are a tad high. If you are prepared to expend time contrasting costs you might get the conveyancing a bit cheaper by as much as a hundred pounds. That being said, you couldlive to regret opting for an an untested lawyer. If is important to be sure that the conveyancer can represent your mortgage company. You can employ our comparison tool to select a Kettering conveyancing firm on the lender’s conveyancing panel which can often include conveyancing solicitors in Kettering.
We previously appointed solicitors with offices in Kettering on the Skipton solicitor panel. They are now charging me an additional fee for the legal aspects of the Skipton mortgage. Is this an additional conveyancing fee set by Skipton?
As unfair as it may seem, as long as it’s in their Terms and Conditions or estimate then yes your conveyancer may levy a fee for this. The charge is not set by Skipton but by your Kettering solicitor. Numerous firms on the Skipton panel will charge an ‘acting for lender’ fee but many firms include it on their overall fee.
We are getting a further advance on our home loan from HSBC as we want to carry out alterations to our house in Kettering. Do we need to select a nearby Kettering solicitor on the HSBC conveyancing panel to deal with the legals?
HSBC don't usually instruct a member of their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the HSBC list.
After months of negotiation I have agreed a price on a house in Kettering. My financial adviser recommended their conveyancers. I paid an advanced payment of £225. Shortly after, the solicitor contacted me to say that they were not on the Leeds Building Society conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Leeds Building Society panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
What does a local search tell me about the property I am purchasing in Kettering?
Kettering conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search company such as Xpress Legal The local search is essential in every Kettering conveyancing purchase; as long as you don’t want any nasty once you have moved into your property. The search should provide data on, amongst other things, details on planning applications applicable 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 13 subject areas.
Me and my brother own a 4 bedroom Victorian property in Kettering. Conveyancing solicitor acted for me and Godiva Mortgages Ltd. I did a free Land Registry search last week and there are two entries: the first freehold, the second leasehold with the matching address. I thought I was buying a freehold how can I check?
You should 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 Kettering and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with the conveyancing lawyer who conducted the purchase.
How does conveyancing in Kettering differ for new build properties?
Most buyers of new build or newly converted property in Kettering contact us having been asked by the builder to exchange contracts and commit to the purchase even before the property is ready to move into. This is because new home sellers in Kettering tend to buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Kettering or who has acted in the same development.
I need to retain a conveyancing solicitor for purchase conveyancing in Kettering. I happened to chance upon a site which looks to be the perfect solution If it is possible to get all the legals done via web that would be ideal. Do I need to be concerned? 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?