After what seems like an age a mortgage offer from HSBC for the refinancing of my 3 bedroom garden flat is to be issued within the next few days. Are you able to recommend a low cost conveyancing lawyer in Bitterne?
You are on the wrong site if you are in need of cut-price fees for conveyancing in Bitterne. Our goal is to offer value for money conveyancing but we do not work with the cheapest lawyers. Do not be swayed by organisations offering low cost conveyancing in Bitterne. The optimum outcome, in going for cheap conveyancing, you will get your money’s worth and at worst you will end up paying a lot in additional fees and still not end up with the service required.
We were just about to sign contracts for a semi detached house in Bitterne. We have hit a stumbling block. Our mortgage offer with Halifax runs out on 7/10/2025 but the vendors are suggesting a completion date of 9/10/2025. Can one extend the loan expiry date?
The best person to address this issue is your solicitors who should calculate whether they corresponding with the lender, vendor’s conveyancers, estate agents or possibly all parties taking into account the circumstances your transaction to date.
What is the difference between a licensed conveyancer and conveyancing solicitor in Bitterne
Two types of professional can carry out conveyancing in Bitterne namely CLC regulated conveyancers or solicitors. The two can provide conveyancing services that required to complete the disposal or acquisition of property. Both are obliged to execute Bitterne conveyancing on similar standards and guidelines so you may be sure that your conveyancing will be professionally carried out and that the necessary steps should be appropriately adhered to.
Completion of my remortgage has taken place for my property in Bitterne. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily 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.
After shopping around on the internet I have found a Bitterne property lawyer having made sure that they are on the UBS conveyancing panel. Does my lawyer arrange the survey of the property?
UBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually UBS 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. You may wish to consider appointing your own Bitterne surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
How does conveyancing in Bitterne differ for new build properties?
Most buyers of new build premises in Bitterne contact us having been asked by the builder to sign contracts and commit to the purchase even before the premises is built. This is because developers in Bitterne usually buy 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 property lawyers 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 used to new build conveyancing in Bitterne or who has acted in the same development.
Am I best advised to use a Bitterne conveyancing lawyer based in the location that I am buying? An old friend can execute the legal formalities however his firm is located 200kilometers away.
The benefit of a high street Bitterne conveyancing firm is that you can visit the firm to sign documents, deliver your identification documents and apply pressure on them if necessary. Having local Bitterne know how is a plus. That being said it's more important to get someone that will do a good and efficient job. If other friends have used your friend and in the main were happy that should surpass using an unfamiliar Bitterne conveyancing solicitor just because they are round the corner.
My wife and I have AIP from Birmingham Midshires who suggested that they will loan up to £400k. At what point do we need to appoint a lawyer for conveyancing? Bitterne is where we plan to move to.
You can instruct a solicitor now requesting that they generate a file on your behalf. This will kickstart: 1) the estate agent to send out the Sales Memorandum to all parties 2) the seller’s lawyer to send out the draft agreement. That being said, do not instruct your solicitor to start searches until you receive your valuation report via Birmingham Midshires and you are willing to proceed.