I have an AIP. The bank mentioned the mortgage came with free conveyancing. Does this mean I have to use their panel solicitor as I would much rather instruct a specialised conveyancing solicitor in Horley?
Do check but the the likelihood is that give you one of their panel conveyancers where you take up the "fee-free" offer. Speak to the mortgage company to check if they allow a monetary alternative. In the past a few mortgage companies offered a £250 cashback as a further option in which case that money can go towards the cost for your conveyancing solicitor in Horley.
We had chosen solicitors locally in Horley on the Nationwide solicitor approved list. They are now charging me a separate sum for handling the Nationwide mortgage. Is this a supplemental conveyancing fee specified by Nationwide?
Unfortunately, as long as it is in their Terms of Engagement or Quote then yes your solicitor may levy a fee for this. This fee is not dictated by Nationwide but by your Horley solicitor. Numerous firms on the Nationwide panel will quote an ‘acting for lender’ fee and others do not.
We were going to get a AIP from RBS this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do RBS recommend any Horley solicitors on the RBS conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Horley solicitors independently although you'll need to choose one on the RBS conveyancing panel. The solicitor represents both you and RBS through the process.
I have paid off my mortgage with Coventry BS. I assume I don't need a Horley lawyer on the Coventry BS panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Coventry BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Coventry BS mortgage from the register. Coventry BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Coventry BS has sent the Land Registry the discharge electronically, and
- Coventry BS has instructed the Land Registry to do so
I am close to exchanging contracts on the sale of our property in Horley and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. Any local lawyer would know that there is no such problem. It does beg the question why the purchasers used a web based conveyancing firm rather than a conveyancing solicitor in Horley. We have lived in Horley for three years we know that this is a non issue. Should we contact our local Authority to obtain clarification that there is no issue.
It would appear that you have a conveyancing firm already. Are they able to advise? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
I used Action Conveyancing several years past for my conveyancing in Horley. Now, I need my documents however cannot find the solicitor. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Horley of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I decided to have a survey carried out on a property in Horley before appointing conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some banks tend refuse to grant a mortgage on such a property.
It depends who your proposed lender is. Santander has different instructions from Birmingham Midshires. If you e-mail us we can investigate further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Horley. Conveyancing will be smoother if you use a solicitor in Horley especially if they are accustomed to such properties in Horley.