Just been in touch with my conveyancing lawyer in Hythe who acted for me 18 months ago and wanted a conveyancing quote based on an identical type of house sale & purchase (a leasehold residence and a freehold premises) of similar values with a mortgage from Aldermore. It looks as though am now being charged double. Am I right to be tempted to shop around for an alternative firm of conveyancing solicitor?
The estimate does seem a little overpriced. If you you were to look around you may be able to reduce the fees slightly by say £100 plus VAT. That being said, if you were content with the assistance the firm provided you maylive to rue opting for an an untested solicitor. If is important to ensure that the firm can represent Aldermore. You can utilise our search tool to locate a Hythe conveyancing firm on the Aldermore approved list of lawyers, which can often include conveyancing solicitors in Hythe.
Are the Hythe conveyancing solicitors identified as being on the Bank of Ireland conveyancing panel, together with their details provided by Bank of Ireland?
Hythe conveyancing firms themselves provide us confirmation that they are on the Bank of Ireland conveyancing panel as opposed to being supplied with a list from Bank of Ireland directly.
Can you help - my lawyer advises that missing deeds insurance is required on my purchase. What is the level of cover for Hythe conveyancing?
The right level of missing deeds indemnity insurance depends on your lender. It would differ for example between Nationwide Building Society and Barnsley Building Society. Conveyancing lawyers as opposed to borrowers take out such insurances.
I am currently in the process of buying my council flat in Hythe. I have a mortgage agreed with Santander. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have 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 Santander, you will need to appoint a solicitor on the Santander conveyancing panel.
I have instructed a Hythe conveyancing practitioner having checked that they are on the Yorkshire BS conveyancing panel. Does my lawyer arrange the survey of the property?
Yorkshire BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Yorkshire BS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Hythe postcode. As you are getting a mortgage with Yorkshire BS, you could contact them to see if they have a list of approved surveyors in Hythe.
I got the keys to my apartment on 10 January and my personal details is not yet registered. Need I be worried? My conveyancing solicitor in Hythe expressed confidence that it will be dealt with inside ten days. Are titles in Hythe uniquely lengthy to register?
As far as conveyancing in Hythe is concerned, registration is no quicker or slower than the rest of England and Wales. Rather than based on location, timeframes can differ according to who lodges the application, whether there are errors and whether the Land registry must send notices to any other persons or bodies. At present approximately 80% of such applications are fully addressed in less than three weeks but occasionally there can be longer delays. Historically registration occurs after the purchaser has moved in to the premises therefore 'speed' is not typically an essential issue but if there is a degree of urgency associated with the registration then you or your lawyers must speak with the land registry and explain the circumstances.
We are midway through buying a property in Hythe. Conveyancing solicitor has called to say the title is "Leasehold". Should this impact the marketability of the house?
Hythe conveyancing does not in most situations involve leasehold houses. The crucial factor here is the unexpired lease term and the ground rent. If it's 999 years with a nominal rent, it's almost the same as freehold, so it shouldn't impact the marketability too much.
At the other extreme, if it's, say, Sixty years it is bound to have a adverse impact on the value, and most likely wouldn't be acceptable to the lender. The length of lease and ground rent will be stated in the lease to be supplied to your conveyancer.