I have an AIP. The lender mentioned the mortgage came with free conveyancing. Does this mean I have to instruct their panel solicitor as I would prefer to appoint a Kingston upon Thames based conveyancing firm?
Do check but the the probability is that appoint one of their panel conveyancers where you accept the "fee-free" incentive. Contact the mortgage company to ask if they make available a monetary alternative. It is not unheard for a lender to give a £250 cashback as a further option in which case that money can go towards your preferred conveyancing solicitor near Kingston upon Thames.
We were going to get a OIP from Virgin Money this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Virgin Money recommend any Kingston upon Thames solicitors on the Virgin Money conveyancing panel, or is it better to go independently?
You will need to appoint Kingston upon Thames solicitors independently although you'll need to choose one on the Virgin Money conveyancing panel. The solicitor represents both you and Virgin Money through the process.
The formalities of my purchase has taken place for my property in Kingston upon Thames. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I am selling my apartment. I had a double glazing fitted in October 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Co-operative are being a right pain. The Kingston upon Thames solicitor who is on the Co-operative conveyancing panel is saying indemnity insurance will be fine but Co-operative are insisting on a building regulation certificate. Why do Co-operative have a conveyancing panel if they don't accept advice from them?
It is probably the case that Co-operative have referred the matter to their valuer. The reason why Co-operative may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I own a terraced Georgian property in Kingston upon Thames. Conveyancing practitioner represented me and Bank of Ireland. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold under the matching address. Is it worth asking Bank of Ireland to clarify?
You should read 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Kingston upon Thames and other locations in 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 lenders. You can also enquire as to the situation with your conveyancing lawyer who completed the work.
How does conveyancing in Kingston upon Thames differ for new build properties?
Most buyers of new build or newly converted property in Kingston upon Thames come to us having been asked by the developer to sign contracts and commit to the purchase even before the property is constructed. This is because developers in Kingston upon Thames usually acquire the land, 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 conveyancing solicitors 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 accustomed to new build conveyancing in Kingston upon Thames or who has acted in the same development.
I am looking into buying my first house which is in Kingston upon Thames and I am already nervous. I couldn't find anything specific about Kingston upon Thames. Conveyancing will be needed in due course but do you know about the Kingston upon Thames area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Kingston upon Thames. In the meantime here are some basic statistics that we found
I need to appoint a conveyancing solicitor for freehold conveyancing in Kingston upon Thames. I've chance upon a site which appears to be the ideal offering If it is possible to get all this stuff completed via email that would be preferable. Should I 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?