My friend's step-father is a property lawyer. I suspect that I'll be able to get friends and family rates for conveyancing, However if that does not come materialise, what level of costs should I be expecting for conveyancing in Ramsey?
It’s prudent to request multiple conveyancing estimates. Do use our comparison tool on this site. You will notice that estimates seem to vary but service levels do differ between property lawyers as is the case with the vast majority of professional services.
My husband and I intend to remortgage our maisonette in Ramsey with Nationwide. We have a son approaching twenty who lives with us. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the flat is repossessed. I have a couple of concerns (1) Is this form unique to the Nationwide conveyancing panel as he did not need to sign this form when we remortgaged 3 years ago (2) Does our son by signing this giving up his entitlement to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Nationwide. This is solely used to protect Nationwide if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Nationwide had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
Do I select a Licenced Conveyancer or Solicitor for conveyancing in Ramsey?
There are many recorded licenced Conveyancers in Ramsey and Solicitor firms in Ramsey offering conveyancing We would stress that the two are regulated professionals specialising in the legal aspects of transferring property. They may both also deal with associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
We are planning to move property in August. Will my conveyancing solicitor communicate with the removal company on the completion day. Incidentally, can you recommend a removal company in Ramsey. Conveyancing lawyer was chosen prior to coming across this site.
On the afternoon of completion you can collect the house keys from the property agent but this should only be done when the previous owners lawyers advise the agent that the monies to complete are in and the keys can be released. After that you will need to tell the removal company that you are ready to move in. As a matter of policy we do not suggest a particular removal company but can assist you in finding a conveyancing in Ramsey or a firm that specialises in conveyancing in Ramsey.
We previously chose conveyancers based in Ramsey on the Virgin Money solicitor approved list. They have just billed me a separate sum for the legal aspects of the Virgin Money mortgage. Is this an additional conveyancing fee set by Virgin Money?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your lawyer is entitled to levy a fee for this. This charge is not set by Virgin Money but by your Ramsey solicitor. Plenty of firms on the Virgin Money panel will levy ’dealing with mortgage’ fee and others do not.
Due to the guidance of my in-laws I had a survey completed on a house in Ramsey ahead of instructing solicitors. I have been advised that there is a flying freehold overhang to the house. My surveyor has said that some banks may not grant a mortgage on this type of house.
It varies from the lender to lender. Santander has different instructions for example to Birmingham Midshires. Should you wish to call us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Ramsey. Conveyancing may be slightly more expensive based on your lender's requirements.
Am I right to be suspicious that estate agents that I am dealing with are suggesting a national conveyancing firm rather than a High Street Ramsey conveyancing firm?
As with lots of professional services, often input from relatives can be extremely useful or valuable. Nevertheless there are many parties with a keen interest in a conveyancing matter; estate agents, financial adviser and lenders might all recommend lawyers to use. Sometimes the conveyancers might be known to one of the organisations as experts in their field, but sometimes there might be a financial incentive behind the endorsement. You are free to select your preferred lawyer. You need to be aware that some lenders specify a panel list of conveyancers you have to use for the mortgage related work in your conveyancing.
As co-executor for the estate of my grandfather I am selling a property in Newport but I am based in Ramsey. My lawyer (who is 260 miles awayhas requested that I execute a stat dec ahead of completion. Could you suggest a conveyancing lawyer in Ramsey who can attest and place their company stamp on the document?
Technically speaking you should not need to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will be fine regardless of whether they are Ramsey based