A mortgage agreement from HSBC for the refinancing of my 4 bedroom garden flat is expected within the next few days. Are you able to put forward a low cost conveyancing solicitor in North Harrow?

You have arrived at the wrong place to search for a cheap conveyancing in North Harrow. We can offer you excellent value conveyancing but we do not aim to work with the cheapest lawyers. Resist the temptation to appoint organisations enticing you with £99 conveyancing in North Harrow. In your best case scenario, in going for low cost conveyancing, you will get your money’s worth and at worst it will result in you being stung for extras and still not get the service expected.

Me and my partner are buying a house in North Harrow. I might seem paranoid but how we can trust a lawyer? At some point we will need to send money into their account. What is the protection we have from them run away with our money?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

Have just purchased a repossessed house at auction in North Harrow. Conveyancing is necessary. What is next?

Now that you are to in every practical sense signed on the dotted line you should choose a conveyancing lawyer as a matter of priority as you will have a fast approaching a fixed date to complete the deal. Every auction property should have a corresponding auction set of papers. This should include evidence of title and search results. In the case of leasehold property the conveyancing papers may contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork relating to leasehold premises. You need to hand this to the conveyancer working for you ASAP. Do make sure that that you have the requisite funding organised to complete the transaction on the set completion date.

The mortgage over my property is with UBS for my property in North Harrow. Conveyancing was finalised 12 months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform UBS?

You must advise UBS in advance of letting out your property as this is likely to be a breach of UBS’s mortgage conditions. It may be that UBS will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact UBS directly. You need not do this via a UBS conveyancing panel firm.

I completed on my home on 9 October and the transaction details is not yet registered. Any reason for this? My conveyancing solicitor in North Harrow said it should be dealt with in less than a month. Are titles in North Harrow uniquely lengthy to register?

There is nothing unique when it comes to conveyancing in North Harrow registration formalities. As opposed to being determined by geographic area, timeframes can vary subject to who lodges the application, whether there are errors and if the Land registry need to notify any interested persons or bodies. At present in the region of 80% of submission are fully addressed in less than three weeks but some can be subject to protracted delays. Historically registration is effected once the purchaser has moved in to the property so post completion formalities is not typically primary concern but if there is a degree of urgency associated with the registration then you or your conveyancer can speak with the land registry and explain the circumstances.

We are four weeks into a leasehold purchase having been referred to a firm by the local agent to carry out the conveyancing in North Harrow. I am am starting to be dissatisfied with the quality of service. Can you you assist me in finding new lawyers?

A solicitor would have to be really bad to suggest changing them. Has the mortgage been sent? If so you will need to inform them of the new contact details and get the loan are issued to the new lawyers. The solicitor ideally needs to be on the banks panel to avoid supplemental expenses and frustration. That should be your starting point. Our find a solicitor tool should help you find a lender approved lawyer for your home move in North Harrow

I am just shy of a 10% deposit on my house purchase in North Harrow , but I still want to go ahead. What can I do?

You can agree a smaller deposit. Most property owners will agree to a smaller deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.

You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last second