I selected a local solicitor for my conveyancing in Norton Woodseats last week. Going through the small print I seewe are on the hook for costs even if the sale doesn't happen. Should I ditch them and choose a web based firm promoting no completion no cost conveyancing in Norton Woodseats?
Generally there is a concession along the lines that if "No Sale No Fee" is advertised then the conveyancing charges will tend to be be higher to offset those conveyances that do not go ahead. Also remember that such schemes generally do not cover expenditure such your Norton Woodseats conveyancing search charges.
We are a couple about to sign contracts for a freehold house in Norton Woodseats. We encountered a snag. Our mortgage offer with The Royal Bank of Scotland expires on 7/10/2025 but the sellers are suggesting a completion date of 9/10/2025. Is it possible to extend the loan offer?
The person best placed to deal with your concern is your lawyer who will calculate if he or she is better off negotiating with the mortgage company, seller’s lawyers, property agents or conceivably all three based on what has gone on in your conveyancing to date.
We are aiming to move property in November. Does my conveyancing solicitor call the removal company on the day of completion. Incidentally, can you recommend a removal company in Norton Woodseats. Conveyancing solicitor was found before I stumbled across your page.
On the afternoon of completion you can collect the house keys from your selling agent but this can only happen when the previous owners conveyancers confirm to the agent that the monies to complete are in and the keys can be handed over. Subsequently you should inform the removal company that you are ready to move in. We are not in a position to recommend a specific removal company but can assist you in locating a conveyancing in Norton Woodseats or a legal practice that specialises in conveyancing in Norton Woodseats.
Completion of my purchase has taken place for my property in Norton Woodseats. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Almost all banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. We understand that complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
It is not clear whether my mortgage offer requires a lease extension. I have called my Norton Woodseats bank branch on various occasions and was told it does not affect the mortgage offer and they will lend. My Norton Woodseats conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they would not lend based on their specific requirements. I simply don't know who is right.
As long as the conveyancer is on the lender approved list, she or he must follow the Council of Mortgage Lenders’ Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
I am purchasing a new build house in Norton Woodseats with the aid of help to buy. The builders refused to reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent suggested that I not disclose to my solicitor about this deal as it would adversely affect my loan with Norwich and Peterborough Building Society. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the advice of my in-laws I had a survey completed on a house in Norton Woodseats in advance of instructing lawyers. I have been told that there is a flying freehold aspect to the house. My surveyor advised that some banks tend not issue a loan on such a property.
It depends who your proposed lender is. Santander has different instructions for example to Birmingham Midshires. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Norton Woodseats. Conveyancing will be smoother if you use a solicitor in Norton Woodseats especially if they are accustomed to such properties in Norton Woodseats.
My partner has recommend that I appoint his conveyancing solicitors in Norton Woodseats. Do I follow his recommendation?
Much as we are happy to recommend a Norton Woodseats conveyancing lawyer it’s preferable to select a conveyancing lawyer is to get feedback from friends or relatives who have actually used the solicitor that you are contemplating using.