At long last a mortgage agreement from HSBC for the refinancing of my 3 bedroom flat is coming any day now. Are you able to put forward a low cost conveyancing practitioner in Sawston?
You are on the wrong site if you are seeking a cheap conveyancing in Sawston. Our aim is to provide affordable conveyancing but our intention is not to advertise as being the cheapest. Resist the temptation to appoint companies offering low cost conveyancing in Sawston. At best, in deciding on low cost conveyancing, you will earn what you pay for and at worst you will end up spending a lot in extras and still not end up with the service you were looking for.
Can your site be used to locate a Conveyancing solicitor in Sawston even where I’m not buying or selling a house, for instance where I wish to acquire an office in Sawston with a mortgage from Birmingham Midshires?
The service is predominantly used to get a quote from residential conveyancing solicitors in Sawston but we have listed towards the end of this page some Sawston commercial conveyancing firms. You should enquire with the company directly to see if they are also authorised to represent Birmingham Midshires
Forgive me if this question is silly but I am unexperienced as a first time purchaser of a two bedroom flat in Sawston. Do I receive the keys to the house on completion from my conveyancer? If so, I will appoint a local conveyancing solicitor in Sawston?
On the day of completion you will not be required to go to the conveyancers office in Sawston. Conveyancing lawyers for you will transfer the completion advance to the owner’s lawyers, and shortly after the monies have arrived, you should be called to receive the keys from the Estate Agents and move into your new home. This tends to happen between 1 and 3pm.
I have a mortgage with RBS for my property in Sawston. Conveyancing has been completed some time ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform RBS?
Your original mortgage agreement with RBS will provide that you need their approval before letting out your property as this is likely to be a breach of RBS’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact RBS directly. You need not do this via a RBS conveyancing panel firm.
Intending to buy a maisonette in Sawston. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Bank of Ireland conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Sawston conveyancing practitioner is on the Bank of Ireland conveyancing panel.
It has been five months since my purchase conveyancing in Sawston completed. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I've recently found out that there is a flying freehold element on a house I have offered on a fortnight ago in what was supposed to be a simple, chain free conveyancing. Sawston is the location of the property. Can you shed any light on this issue?
Flying freeholds in Sawston are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Sawston you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Sawston 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 property.
Should I stop my mortgage payments with Santander as soon as a completion date for my home sale in Sawston has been set?
No, you should maintain paying any mortgage payments to Santander until the mortgage is discharged out of the proceeds of sale as part of your Sawston conveyancing.