Our family solicitor has sent a quote for £1150 for no sale no fee conveyancing in Westgate on Sea. I am selling a purpose built house for £200,000. Are these estimated fees excessive? Is it in excess of the norm for conveyancing in Westgate on Sea?
The charges are a bit high. If you are happy to expend time comparing quotes you may be able to decrease the fees marginally by perhaps £125. On the other hand, you couldcome to rue choosing an an untested conveyancer. Don't forget to be sure that the conveyancer can also act for your lender. You can employ our search tool to find a Westgate on Sea conveyancing firm on the lender’s member panel which can often include conveyancing solicitors in Westgate on Sea.
Having sold my house in Westgate on Sea last September but my buyer keeps texting every few hours to moan that their conveyancer is waiting to hear from mine. What are the post completion sale legalities now that I have sold?
Following your sale your lawyer should forward the transfer documentation and all of the paperwork to the purchaser's conveyancer. If applicable, your solicitor must also send confirmation that the legal charge in favour of the lender has been repaid to the buyers lawyers. There is unlikely to be post completion procedures unique to conveyancing in Westgate on Sea.
I have decided to exercise my right to buy my property in Westgate on Sea off the council. I have a mortgage agreed with Yorkshire BS. Conveyancing is not something I have any knowledge of. 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 Yorkshire BS, you will need to appoint a solicitor on the Yorkshire BS conveyancing panel.
The mortgage over my property is with Kent Reliance for my property in Westgate on Sea. Conveyancing was finalised months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Kent Reliance?
You must advise Kent Reliance before renting your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. It may be that Kent Reliance will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel firm.
Completion of my purchase has taken place for my property in Westgate on Sea. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
All lenders 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 sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I decided to have a survey done on a property in Westgate on Sea before appointing lawyers. I have been informed that there is a flying freehold aspect to the house. Our surveyor has said that some mortgage companies tend not grant a mortgage on a flying freehold premises.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Halifax. If you call us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Westgate on Sea. Conveyancing will be smoother if you use a solicitor in Westgate on Sea especially if they are acquainted with such properties in Westgate on Sea.
I need to find a conveyancing solicitor for some conveyancing in Westgate on Sea. I have land on a site which appears to be the perfect solution If there is a chance to get all this stuff completed via phone that would be preferable. Do I need to be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?