In the event thatI was to buy a freehold propertyin Windmill Hill mortgage fee and have no survey and no conveyancing searches how much would I expect to have to pay for conveyancing in Windmill Hill?
Any savings you would achieve would be limited to the costs for searches. Your property lawyer is obliged to do the vast majority of work - money laundering, communicating with the vendors conveyancing practitioner, stamp duty submission, register the property etc. A slight saving might be made by not needing to register a mortgage however it will not be meaningful.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Windmill Hill. My lender is Virgin
Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 18/4/2019, the requirements read as follows :
I am assisting my aunt sell her flat in Windmill Hill. Does the solicitor arrange the energy performance certificate or should I organise this?
Following the abolition of Home Packs, energy performance certificates was left as a required component of moving property. An EPC must be to hand in advance of the property being advertised. This is not something that solicitors normally arrange. If you are using a Windmill Hill conveyancing solicitor they might be able to arrange EPC’s due to their relationships with long established local accredited person
I recently had an offer accepted on a house in Windmill Hill. My mortgage broker suggested a solicitor. I paid an on account payment of £225. Not long after, the conveyancing practitioner contacted me embarrassingly acknowledging that they were not on the Bank of Ireland conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Bank of Ireland panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
RBS have agreed my mortgage in principle, my offer on a house in Windmill Hill has been accepted, what happens next?
Your property agent will wish to be advised as to your lawyer's details (ensure that the lawyers are on the bank’s approved list). Call up RBS or your broker and complete any appropriate documentation. RBS will appoint a valuer who will get in contact with the selling agent or seller to schedule an appointment. Once conducted (assuming no problems) it takes on average a fortnight to get a mortgage offer. RBS will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Windmill Hill.
My wife and I own a semi-detached Edwardian property in Windmill Hill. Conveyancing lawyer acted for me and Accord Mortgages Ltd. I did a free Land Registry search last week and there are two entries: the first freehold, the second leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?
You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Windmill Hill and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with the conveyancing solicitor who conducted the work.
I need to appoint a conveyancing solicitor for my conveyancing in Windmill Hill. I happened to discover a site which seems to have the perfect solution If it is possible to get all this stuff completed via phone that would be ideal. Do I need to be wary? What should out be looking out for?
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?