We went with a local firm for my conveyancing in North Yorkshire recently. Looking through the small print I seewe are responsible for fees even if our purchase aborts. Would I be best advised to instruct a web based conveyancing brokerage advertising no completion no charge conveyancing in North Yorkshire?
Generally there is a concession along the lines that if "No Sale No Fee" is advertised then the conveyancing charges will generally be higher to counteract those conveyances that do not go ahead. Do bear in mind that these arrangements tend not to cover disbursements for instance North Yorkshire conveyancing search fees.
We note that you have a post code search directory identifying law firms on the Clydesdale conveyancing panel. Do companies pay you a referral fee if I retain them for our conveyancing in North Yorkshire?
We are a listing service only for law firms wishing to communicate if they are on the Clydesdale conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in North Yorkshire.
We wanted to use a property lawyer in North Yorkshire for our home move. Our financial adviser informed us that our mortgage company National Westminster Bank won't deal with them. Why is this not regarded as unfair competition?
A lender may insist on an approved solicitor act for it. Borrowers are liable to meet the cost of this. Please make use of our tool to get a quote from a solicitor to carry conveyancing in North Yorkshire on the National Westminster Bank member panel.
We have a mortgage agreed in principle with Santander. North Yorkshire conveyancing practitioners are selected. What is the average time that one could expect to receive a mortgage offer from Santander?
Some lenders take longer than others. Have Santander conducted the survey? Have you advised Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
The formalities of my purchase has taken place for my property in North Yorkshire. 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 banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
TSB have agreed my mortgage in principle, my bid on a property in North Yorkshire has been agreed to, what are the next steps?
Your estate agent will need to know who your solicitors are (ensure that the conveyancers are on the lender’s panel). Call up TSB or your financial adviser and complete any appropriate documentation. TSB will sellect a valuer who will get in contact with the estate agent or vendor to schedule a slot for the valuation to occur. Once carried out (assuming no problems) it takes on average a week for the mortgage offer to be issued. TSB will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in North Yorkshire.
I decided to have a survey carried out on a house in North Yorkshire in advance of appointing solicitors. I have been advised that there is a flying freehold overhang to the property. Our surveyor has said that some banks may not grant a loan on a flying freehold house.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Birmingham Midshires. If you e-mail us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in North Yorkshire. Conveyancing may be slightly more expensive based on your lender's requirements.
I was recommended by three or four local selling agents in North Yorkshire to choose a solicitor on your site. What’s the financial inducement for Estate Agents to recommend your lawyers ahead of a competitor’s?
We refuse to offer any financial incentive for directing people to this site. We thought it would be too underhand to pay a commission as a client could think, ‘Why is the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.