Is it necessary during the course of the conveyancing process to have a meeting at the offices of the solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Hartlebury so that I can pop in to their offices if necessary.
As opposed to 15 years ago, most banks no longer oblige their conveyancing panel lawyer to witness the borrowers signature. It will still be necessary for you to hand over identification documents and there are still manifest benefits to choosing a locally based practitioner, in your situation a conveyancing solicitor in Hartlebury.
Can you point me to a directory of Coventry BS panel solicitors in Hartlebury on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. Very few mortgage companies make their panel listings viewable on the web. If you are in need of a Hartlebury solicitor on the Coventry BS please use our facility.
We previously chose solicitors based in Hartlebury on the Skipton solicitor panel. They are now charging me a supplemental fee for the legal aspects of the Skipton mortgage. Is this a supplemental conveyancing fee set by Skipton?
Provided it is contained in their Terms and Conditions or estimate then yes your property lawyer is entitled to levy a fee for this. This fee is not dictated by Skipton but by your Hartlebury property lawyer. Numerous firms on the Skipton panel will quote ’dealing with mortgage’ fee and others do not.
I have decided to exercise my right to buy my property in Hartlebury off the council. I have a mortgage offer with Yorkshire BS. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Yorkshire BS, you will need to appoint a solicitor on the Yorkshire BS conveyancing panel.
Just acquired a terraced house in Hartlebury , What is the estimated time for the Land Registry to register my title? My Hartlebury conveyancing solicitor has been painfully slow, so I want to be certain the post completion formalities are addressed.
As far as conveyancing in Hartlebury is concerned, registration is no quicker or slower than the rest of England and Wales. As opposed to being determined by geographic area, timescales can adjust according to who lodges the application, whether there are errors and if the Land registry must send notices to any 3rd parties. At present approximately 80% of such applications are fully dealt with within 12 days but occasionally there can be extensive delays. Registration is effected once the purchaser is living at the premises therefore an expedited registration is not typically an essential issue but where it is urgent that the the registration takes place urgently then you or your conveyancer could communicate with the Registry to express the reasoning for the application to be prioritised.
Due to the encouragement of my in-laws I had a survey completed on a property in Hartlebury in advance of instructing conveyancers. I have been informed that there is a flying freehold overhang to the property. My surveyor advised that some mortgage companies will refuse to issue a loan on a flying freehold premises.
It depends who your proposed lender is. HSBC has different instructions for example to Nationwide. Should you wish to call us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Hartlebury. Conveyancing will be smoother if you use a solicitor in Hartlebury especially if they regularly deal with such properties in Hartlebury.
I have recently placed an offer on a leasehold flat in Hartlebury and the mortgage adviser that we are using suggested his solicitor. They quoted £800 plus VAT and disbursements. Does this sound expensive?
Don't just go on one quote. You should obtain like-for-like quotes for your conveyancing in Hartlebury. Then select one that you trust and just as important, is on the approved panel of the mortgage company that you have applied for a mortgage from.