I am buying a new build flat in Surrey. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Surrey you will have to appoint a solicitor on your lender's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Surrey.
We previously chose conveyancing lawyers with offices in Surrey on the Bank of Ireland solicitor approved list. They have just billed me a separate fee for dealing with the Bank of Ireland mortgage. Is this an additional conveyancing fee set by Bank of Ireland?
Unfortunately, as long as it is in their Terms of Engagement or Quote then yes your lawyer may levy a fee for this. This charge is not set by Bank of Ireland but by your Surrey solicitor. Some firms on the Bank of Ireland panel will levy an ‘acting for lender’ fee but plenty of practices incorporate it on their overall fee.
I had a mortgage agreed in principle with Aldermore. Surrey conveyancing solicitors are chosen. How long does it take for Aldermore to forward the offer to the conveyancing practitioner?
Some lenders take longer than others. Have Aldermore conducted the survey? Have you informed Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
The formalities of my remortgage has taken place for my property in Surrey. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services 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 relative suggested that if I am buying in Surrey I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally included in the estimate for your Surrey conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Surrey around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Surrey Education with maps and statistics, Local Amenities and other useful data about Surrey.
In sourcing the internet for the term conveyancing in Surrey it shows results of numerous conveyancersin the vicinity. How do I determine which is the right property lawyer for me?
The best method of finding the right conveyancer is via personal referral, so enquire of colleagues and those you trust who have bought a property in Surrey or a local estate agent or mortgage broker. Fees for conveyancing in Surrey vary, so it's sensible to secure a minimum of four fee estimates from different conveyancers. Dont forget to clarify that the fees are fixed.
I am looking to acquire a repression house in Surrey and the mortgagee in possession would like to complete within 28 days. Can a conveyancing practitioner complete in this timeframe? Am I best advised to instruct a high street Surrey firm or an online organisation that advertises to offer speedy conveyancing?
Visit your Surrey high street. Pop in to a couple of firms and ask to talk to a conveyancing solicitor for an estimate. Discuss your requirements and try and obtain assurances on deadlines. Appoint the firm that appears most trustworthy. Be sure to use a solicitor on the list of conveyancers approved by your lender.