After what seems like an age a loan agreement from Nationwide for the refinancing of my 3 room apartment is coming within the next few days. Could you suggest a cheap conveyancing solicitor in Mortlake?
This site is not designed to help those in their quest for a cheap conveyancing solicitors in Mortlake. Our aim is to provide excellent value conveyancing but our intention is not to advertise as being the cheapest. Do not be swayed by companies teasing you with £99 conveyancing in Mortlake. Optimistically, in being led by low cost conveyancing, you will earn what you pay for and at worst you will end up with a hefty uplift in extras and still not receive the service required.
We are selling our home in Mortlake. Does my conveyancer have to be on the Kent Reliance conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the Kent Reliance conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently currently.
I am selling my house. I had a double glazing fitted in August 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Lloyds are being problematic. The Mortlake solicitor who is on the Lloyds conveyancing panel is saying indemnity insurance will be fine but Lloyds are requiring a building regulation certificate. Why do Lloyds have a conveyancing panel if they don't accept advice from them?
It is probably the case that Lloyds have referred the matter to their valuer. The reason why Lloyds 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 have instructed a Mortlake property lawyer having checked that they are on the Leeds Building Society conveyancing panel. Does my lawyer arrange the survey of the property?
Leeds Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Leeds Building Society will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Mortlake postcode. As you are getting a mortgage with Leeds Building Society, you could contact them to see if they have a list of approved surveyors in Mortlake.
Bank of Ireland have agreed my mortgage in principle, my bid on a house in Mortlake has been accepted, what happens next?
The estate agent will need to be advised as to your lawyer's details (be sure the solicitors are on the lender’s approved list). Telephone Bank of Ireland or your financial adviser and finalise any relevant paperwork. Bank of Ireland will sellect a valuer who will get in touch with the estate agent or vendor to schedule an appointment. Once carried out (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Bank of Ireland will issue the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Mortlake.
I have been on the look out for a leasehold apartment up to £245,000 and identified one close by in Mortlake I like with amenity areas and station nearby, however it's only got 61 years unexpired on the lease. There is not much else in Mortlake in this price bracket, so just wondered if I would be making a grave error acquiring a short lease?
If you need a home loan the shortness of the lease will likely be an issue. Discount the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least 2 years you could ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this.
I'm remortgaging my primary house to a BTL mortgage with TSB and I will use the ballance of the raised equity towards further house. The area we are interested in is Mortlake. Will your conveyancers be able to act for both sets of lenders and link together the transactions?
Make use of our search tool on this site to check that the solicitors are on the relevant lender panels. Having checked that they are the solicitor should be able to tie up the two conveyancing matters but you should have a chat with you lawyer and communicate your expectations and requirements.
We are hoping to acquire a repression flat in Mortlake and the bank selling would like to complete inside a month. Do property lawyers complete in this timeframe? Am I best advised to use a high street Mortlake firm or an online company that professes to offer speedy conveyancing?
Visit your Mortlake high street. Go in to a couple of firms and ask to see a conveyancing solicitor for an estimate. Explain your requirements and try and obtain a commitment on time frames. Choose the one that comes across as most efficient. You need to select a lawyer on the panel of conveyancing practitioners who can act for your lender.