Forgive me if this question is silly but I am unexperienced as FTB of a garden flat in Dorking. Do I collect the keys to the house on completion from my lawyer? If this is the case, I will appoint a local conveyancing solicitor in Dorking?
On the day of completion you will not be required to go to the conveyancers office in Dorking. Conveyancing lawyers for you will arrange to send the purchase money to the owner’s solicitors, and once they have received this, you will be called to collect the keys from the property Agents and start moving into the property. Usually this occurs between 1 and 3pm.
I am being told by my conveyancer that chancel insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Dorking?
The right level of chancel indemnity insurance depends on your lender. It would differ for example between Yorkshire Building Society and Skipton Building Society. Conveyancing practitioners as opposed to borrowers take out such policies.
The formalities of my remortgage has taken place for my property in Dorking. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
We are purchasing a house and the lawyer has mentioned Chancel Repair to which the house could be obligated to pay as it falls into the area of such a church. He has suggested insurance. Is this really appropriate for conveyancing in Dorking
Unless a prior acquisition of the premises took place after 12 October 2013 you could take it that solicitors delivering conveyancing in Dorking to remain recommending a chancel search and or insurance against a claim.
Due to the encouragement of my in-laws I had a survey completed on a house in Dorking in advance of appointing solicitors. I have been told that there is a flying freehold element to the house. My surveyor advised that some banks will not issue a mortgage on a flying freehold home.
It depends who your proposed lender is. Lloyds has different requirements for example to Halifax. Should you wish to call us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Dorking. Conveyancing may be slightly more expensive based on your lender's requirements.
In searching the web for the phrase cheap conveyancing in Dorking it brings up many solicitorsin the vicinity. How do I determine which is the suitable conveyancing solicitor for my move?
The ideal way of choosing the right conveyancer is via trusted testimonial, so enquire of colleagues and those you trust who have purchased a property in Dorking or the local estate agent or mortgage broker. Fees for conveyancing in Dorking vary, so it's sensible to secure at least four costs illustrations from different law firms. Be sure to secure confirmation that the costs are assured not to rise.
Should I cancel my mortgage payments with Bank of Ireland once a completion date for my sale in Dorking has been agreed?
You are best advised to keep meeting any mortgage sums to Bank of Ireland pending the mortgage being repaid from the proceeds of sale as part of your Dorking conveyancing.