I'm in the process of swapping over from my current homeowner mortgage to a BTL Godiva Mortgages Ltd mortgage. The bank has said that I need a solicitor for this. I had a chat my past Harringay conveyancing firm who dealt with the legals when I first bought the house. The quote provided of £470 has taken me by surprise as its a refinance than a sale or purchase.
The estimate fees seem a tad high. If you are willing to spend time scrutinising costs you may be able to shave off some of the cost by perhaps a hundred pounds. That being said, assuming were content with the legal work the firm offered you couldcome to rue choosing an a cheaper solicitor. Remember to be sure the firm can act for Godiva Mortgages Ltd. You can employ our search tool to get a quote a Harringay conveyancing firm on the Godiva Mortgages Ltd approved list of lawyers, which can often include conveyancing solicitors in Harringay.
My brother and I have recently acquired a house in Harringay. We have noticed several issues with the property which we consider were omitted in the conveyancing searches. Do we have any recourse? Can you clarify the type of searches that needed to have been ordered as part of conveyancing in Harringay?
It is not clear from the question as to the nature of the problems and if they are unique to conveyancing in Harringay. Conveyancing searches and due diligence initiated during the legal transfer of property are supposed to help avoid problems. As part of the legal transfer of property, a property owner fills in a document known as a SPIF. If the information turns out to be inaccurate, you may have a misrepresentation claim against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Harringay.
Are there restrictive covenants that are commonly identified during conveyancing in Harringay?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Harringay. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am using a search engine for the term cheap conveyancing in Harringay it shows results of many solicitorslocally. With so much choice what is the best way to find the suitable conveyancer for my move?
The best method of choosing the right conveyancer is via personal recommendation, so seek the opinion of friends and family who have purchased a property in Harringay or a reputable estate agent or mortgage broker. Costs for conveyancing in Harringay differ, so it's a good idea to secure a minimum of four quotes from varying types of conveyancers. Make sure that you clarify that the fees are fixed.
Should I stop the direct debit for my mortgage with Co-operative as soon as a completion date for my home sale in Harringay has been set?
No, you should maintain meeting any mortgage sums to Co-operative until the mortgage is discharged out of the proceeds of sale as part of your Harringay conveyancing.