We had instructed conveyancing lawyers based in Winslow on the HSBC solicitor panel. They have just invoiced me a supplemental amount for handling the HSBC mortgage. Is this a supplemental conveyancing fee set by HSBC?
As unfair as it may seem, as long as it’s in their Terms and Conditions or Quote then yes your solicitor is entitled to levy a fee for this. The charge is not dictated by HSBC but by your Winslow conveyancing practitioner. Numerous firms on the HSBC panel will levy ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.
I am selling my house. I had a double glazing fitted in March 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Santander are being difficult. The Winslow solicitor who is on the Santander conveyancing panel is recommending indemnity insurance as a solution but Santander are insisting on a building regulation certificate. Why do Santander have a conveyancing panel if they don't accept advice from them?
It is probably the case that Santander have referred the matter to their valuer. The reason why Santander may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
After shopping around on the internet I have found a Winslow lawyer having checked that they are on the RBS conveyancing panel. Does my lawyer arrange the survey of the property?
RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS 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 lawyer 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 Winslow postcode. As you are getting a mortgage with RBS, you could contact them to see if they have a list of approved surveyors in Winslow.
I have recentlybeen informed that Stirling Law have been shut down. They carried out my conveyancing in Winslow for a purchase of a freehold house 9 months ago. How can I establish that my home is in my name in the name of the previous owner?
The easiest way to check if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Winslow conveyancing specialists.
Due to the encouragement of my in-laws I had a survey completed on a property in Winslow ahead of appointing conveyancers. I have been advised that there is a flying freehold element to the property. My surveyor advised that some banks may not issue a mortgage on a flying freehold premises.
It varies from the lender to lender. Santander has different instructions for example to Birmingham Midshires. If you call us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Winslow. Conveyancing will be smoother if you use a solicitor in Winslow especially if they are accustomed to such properties in Winslow.
My company is hoping to lease a unit on a shopping parade. Can you recommend solicitors offering no-sale-no costs for commercial conveyancing in Winslow for less than £1,200?
We are happy to recommend firms who have specialist knowledge of commercial conveyancing in Winslow, including the disposal and purchase of businesses as well as simply premises. If you are hoping to buy or lease a shop, pub, restaurant, office, retail premises or a whole business we can find you the right solicitor. As for the charges these will vary based on the structure and nuances of the deal. Please provide us with your contact information or phone us so that we can supply you with comprehensive commercial conveyancing quote.
We are 17 days into a freehold purchase having been directed to conveyancers by the estate agent to handle our conveyancing in Winslow. I am not happy. Could you you assist me in finding new conveyancers?
A solicitor would need to be really bad in order to consider replacing them. Has your mortgage offer been generated? In the event that it has you will need to inform them of the new conveyancer and get the loan are re-issued. Your conveyancer should be on the banks panel to avoid supplemental costs and frustration. So that should be your first question of the new conveyancers. The search tool should help you find a bank approved solicitor for your home move in Winslow