My friend's sister is a property lawyer. I expect that I can be offered preferential pricing for conveyancing, but if not, what level of fees should I be paying for conveyancing in Dunmow?
You should contrast pricing. Do use our comparison tool on this page. Whilst quotes will contrast greatly but service levels do differ between conveyancers as is true with most professions.
We are expecting a mortgage offer soon. The lender mentioned the home loan came with free conveyancing. Does this mean I have to use their panel solicitor as I would much rather appoint a high street conveyancing solicitor in Dunmow?
You should check but the chances are that give you one of their panel solicitors where you accept the "fee-free" deal. Speak to the lender to explore if they allow a monetary alternative. It is not unheard for a lender to give a £250 cashback as a further option in which case that money can go towards your preferred conveyancing solicitor in Dunmow.
My wife and I purchased a terraced Edwardian property in Dunmow. Conveyancing practitioner represented me and National Westminster Bank. I did a free Land Registry search last week and there are a couple of entries: one for freehold, the second leasehold under the exact same 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 locations in 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 purchasing my first flat in Dunmow with the aid of help to buy. The sellers refused to reduce the amount so I negotiated 6k of extras instead. The house builders rep suggested that I not inform my solicitor about this deal as it would affect my mortgage with Bank of Scotland. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey carried out on a property in Dunmow in advance of retaining solicitors. I have been advised that there is a flying freehold element to the house. My surveyor has said that some banks may refuse to give a loan on a flying freehold property.
It depends who your proposed lender is. Lloyds has different instructions for example to Nationwide. Should you wish to telephone us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Dunmow. Conveyancing may be slightly more expensive based on your lender's requirements.