It has come to my attention via my broker that my Ongar lawyer is not on the mortgage company Conveyancing panel. How can I be sure whether this is correct?
You need to call your Ongar lawyer directly. It is reasonable to expect your lawyer to inform you what has happened. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your lender.
We are due to move house in September. Does my conveyancing solicitor call the removal company on the completion day. On a separate note, can you recommend a removal company in Ongar. Conveyancing lawyer was organised prior to coming across your website.
On the day of completion you will need to pick up the house keys from your property agent however this should only occur once the vendors conveyancers confirm to the agent that the monies to complete are in and the keys can be released. Subsequently you can inform the removal men that they can start moving you in. We are not in a position to suggest a particular removal organisation but can help you choose a conveyancing in Ongar or a solicitor that specialises in conveyancing in Ongar.
I have today made my last payment due on my mortgage with Santander. I assume I don't need a Ongar conveyancing practitioner on the Santander panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Santander mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Santander mortgage from the register. Santander, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Santander has sent the Land Registry the discharge electronically, and
- Santander has instructed the Land Registry to do so
The formalities of my remortgage has taken place for my property in Ongar. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. In most cases 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.
My relative recommended that if I am purchasing in Ongar I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally quoted for as part of the standard Ongar conveyancing searches. It is a large report of more than thirty pages, listing and setting out important information about Ongar around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Ongar Education with plans and statistics, Local Amenities and other useful information regarding Ongar.
Yesterday I discovered that there is a flying freehold element on a house I put an offer in two weeks back in what was supposed to be a straight forward, no chain conveyancing. Ongar is where the house is located. Can you offer any assistance?
Flying freeholds in Ongar are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Ongar you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ongar may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
I'm refinancing my primary property to a BTL mortgage with Bank of Scotland and I will use the ballance of the raised equity towards further house. The neighborhood we are looking at is Ongar. Will your lawyers be able to act for both sets of mortgage companies and link together the conveyances?
Make use of our comparison tool on this site to ensure that the solicitors are approved by both mortgage companies. Assuming that they are your conveyancer will be able to tie up the two conveyancing matters but you should have a chat with you conveyancer and specify your expectations and needs.
I am one month into a freehold purchase having been referred to conveyancers by the estate agent to perform conveyancing in Ongar. I am am very dissatisfied with the quality of service. Could you you assist me in finding new lawyers?
They would have to be really poor to suggest changing them. Has the loan offer been generated? If so you must make them aware of the replacement conveyancer and ensure the mortgage documents are re-sent. Your solicitor ideally should be on the mortgage company panel to avoid supplemental fees and frustration. That should be your starting point. Our search tool should assist you in finding a lender approved solicitor for your conveyancing in Ongar