My bank has suggested solicitors on their panel based in Harwell but I would rather instruct a conveyancing lawyer in Harwell or nearer to where I live. Are you able to help?
The minority of Harwell conveyancing solicitors are approved and listed on all lender’s conveyancing panel. Please make the most of the above search tool to choose a Harwell conveyancing firm on the on the mortgage company panel.
We were going to get a OIP from Leeds Building Society this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Leeds Building Society recommend any Harwell solicitors on the Leeds Building Society conveyancing panel, or is it better to go independently?
You will need to appoint Harwell solicitors independently although you'll need to choose one on the Leeds Building Society conveyancing panel. The solicitor represents both you and Leeds Building Society through the process.
The formalities of my purchase has taken place for my property in Harwell. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. We understand that 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 was told two weeks ago that my mortgage has been agreed to by Barclays. Is it usual for Barclays to only issue the offer once my solicitor in Harwell is approved on their conveyancing panel? Barclays have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Harwell?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Harwell. 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 purchasing my first flat in Harwell benefiting from help to buy. The builders would not reduce the price so I negotiated 6k of fixtures and fittings instead. The sale representative told me not reveal to my solicitor about this deal as it could affect my loan with TSB. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the guidance of my in-laws I had a survey completed on a house in Harwell prior to appointing solicitors. I have been advised that there is a flying freehold overhang to the property. The surveyor advised that some banks may not give a loan on this type of house.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Halifax. Should you wish to call us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Harwell. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Harwell to see if the conveyancing costs will increase in light of this.