Why would one appoint a Havering conveyancing company when online alternatives are so much cheaper?
To take your time to find contrast conveyancing costs in Havering and you should seek an affordable estimate but don’t become consumed with sourcing the cheapest Havering conveyancer. Locating the right conveyancer can mark the difference between a smooth and a stressful house move. You need to ensure that you have expert guidance from a specialist conveyancer. Emails can't be as helpful as a phone call and can never replicate a face to face meeting. Our partner firms will appoint you a qualified and top rated conveyancing solicitor who can tackle your conveyancing from from the outset to completion, providing a level of hand holding that you are unlikely to received from an internet conveyancer. He or She will contact you regularly to update you as to progress and keep you informed. Should it ever be necessary to phone the office you will be sure who to ask for and they will be sure you are kept fully informed.
My fiance and I intend to purchase a purpose built apartment in Havering with a loan from Alliance & Leicester .We have a Havering conveyancing lawyer but Alliance & Leicester advised that her practice is not on their approved list of member firms. we are left little option but to use a Alliance & Leicester panel solicitor or keep our preferred solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?
Unfortunately,no. The home loan offered to you is subject to its terms and conditions, one of which will be that solicitors needs to be on the Alliance & Leicester approved list. Until recently, most banks had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Alliance & Leicester
This question may be naive but I am wet behind the ears as a 1st time buyer of a two bedroom flat in Havering. Do I pick up the keys to the premises on the completion date from my lawyer? If this is the case, I will use a local conveyancing solicitor in Havering?
On the day of completion you do not need to go to the conveyancers office in Havering. Your solicitors will electronically transfer the purchase money to the owner’s solicitors, and shortly after the monies have arrived, you will be called to collect the keys from the Estate Agents and move into your new home. Usually this happens early afternoon.
We had chosen conveyancers based in Havering on the Barclays solicitor panel. They are now charging me an additional amount for the legal aspects of the Barclays mortgage. Is this a supplemental conveyancing fee set by Barclays?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your conveyancer may levy a fee for this. This charge is not set by Barclays but by your Havering conveyancer. Numerous firms on the Barclays panel will levy ’dealing with mortgage’ fee but some firms include it on their overall fee.
After months of negotiation I have agreed a price on an apartment in Havering. My financial adviser suggested a conveyancer. I paid an upfront payment of £225. Shortly after, the property lawyer called me sheepishly admitting that they were not on the Co-operative 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 Co-operative 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.
How does conveyancing in Havering differ for new build properties?
Most buyers of new build premises in Havering approach us having been asked by the developer to sign contracts and commit to the purchase even before the residence is built. This is because house builders in Havering usually acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Havering or who has acted in the same development.
I opted to have a survey carried out on a property in Havering in advance of appointing lawyers. I have been advised that there is a flying freehold aspect to the house. Our surveyor has said that some banks will not issue a mortgage on a flying freehold house.
It depends who your proposed lender is. Lloyds has different requirements for example to Birmingham Midshires. If you e-mail us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Havering. Conveyancing may be slightly more expensive based on your lender's requirements.