In the event thatI were to purchase a freehold homein Dunmow for cash and have no survey and no local authority searches how much would I expect to to save on my conveyancing in Dunmow?
The sole saving you would make on is the costs for searches. A lawyer still got to do everything else - money laundering, correspond with the sellers conveyancer, SDLT submission, register the title etc. You might save a bit for them not needing to register a mortgage however it won't be a lot.
We expect to receive a OIP from Bank of Ireland this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Dunmow solicitors on the Bank of Ireland conveyancing panel, or is it better to go independently?
You will need to appoint Dunmow solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
I'm at the point of viewing apartments in Dunmow and I am now considering a potential offer. Is it best to have a lawyer on ‘stand by’? I am planning to take a home loan with Yorkshire BS.
It would be advisable to commence your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the estate agent. As you are obtaining a mortgage with Yorkshire BS, ask your prospective lawyers if they are on the Yorkshire BS conveyancing panel otherwise they can't do the mortgage legal work.
I was told four weeks ago that my mortgage has been agreed to by Santander. Is it usual for Santander to only issue the offer once my solicitor in Dunmow is approved on their conveyancing panel? Santander have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.
My wife and I purchased a 4 bedroom Victorian property in Dunmow. Conveyancing lawyer represented me and Santander. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Dunmow and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with your conveyancing lawyer who completed the work.
I am 18 days into a freehold purchase having been referred to a firm by the local agent to do our conveyancing in Dunmow. We are not happy. Could you help me find new solicitors?
They would need to be really poor in order to consider diss instructing them. Has your loan offer been issued? If so you need to make them aware of the replacement solicitor and ensure the mortgage documents are re-sent. Your new solicitor ideally should be on the mortgage company approved list to avoid supplemental costs and delays. So that should be your starting point. The find a solicitor tool should assist you in finding a bank approved lawyer for your conveyancing in Dunmow
If instructed can a conveyancer remove someone from the title of my home in Dunmow ?
Extracting or adding someone to the title of your property is relatively straightforward. You’ll need to appoint a conveyancing practitioner to discuss your legal rights before you can proceed with a transfer of property. Contact us to book a free consultation with one a conveyancer