I was referred a conveyancer who has given a fee estimate £1150 for no sale no fee conveyancing in Overton. I am selling a Victorian detached home for £200,000. Is this over the top? Is it in excess of what I should be paying for conveyancing in Overton?
The charges are a little high. If you shop around you could decrease the fees marginally by say £100 plus VAT. On the other hand, you couldlive to regret choosing an an untested solicitor. Remember to be sure that the conveyancer can also act for your bank. You can employ our search tool to locate a Overton conveyancing company on the lender’s member panel which can often include conveyancing solicitors in Overton.
I am buying a house without a mortgage in Overton. I have resided for the previous dozen years in Overton. Conveyancing searches are a lot of money. Given that I have knowledge of the area and road intimately should I not bother getting the solicitor to do all the conveyancing searches?
In the absence of a home loan, then all but one or two of the Overton conveyancing searches are optional. Your conveyancer will try and steer you, perhaps strongly, that you should have searches done, but he is duty bound to take that path of advice. One thing to take into account; if you are going to dispose of the house one day, it will likely be be of relevance to your prospective purchaser what the searches contain. There are plenty of instances where properties with apparent issues can still show up negative search results. A good conveyancing solicitor in Overton should be able to give you some constructive advice concerning this.
I have today made my last payment due on my mortgage with UBS. I assume I don't need a Overton solicitor on the UBS panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your UBS 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 UBS mortgage from the register. UBS, 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 UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
I am currently in the process of buying my council flat in Overton. I have a mortgage agreed with Bank of Ireland. 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 Bank of Ireland, you will need to appoint a solicitor on the Bank of Ireland conveyancing panel.
The formalities of my remortgage has taken place for my property in Overton. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
My brother has encouraged me to use his lawyers for conveyancing in Overton. Should I find my own conveyancer?
No doubt the ideal way to find a conveyancing practitioner is to have referrals from friends or relatives who have actually used the conveyancer that you are are thinking of instructing.
Been reading online that Overton solicitors are more costly than Overton conveyancers in Overton when it comes to buying a house. So is it better if I use a conveyancer or a solicitor where I am purchasing for my home move in Overton.
When it comes to conveyancing in Overton the costs are unlikely to vary dramatically depending on whether the legal expert is a licenced conveyancer or solicitor.