I am in the throes of porting my existing standard loan to a BTL Halifax mortgage. I have been informed by my broker that I must appoint a lawyer as part of the process. I spoke to my former Deptford conveyancing solicitor who acted on my behalf when I initially acquired the house. The quote e-mailed to me of £550 is surprising as its a remortgage than a sale or purchase.
The quote is fractionally on the steep side. Where you are prepared to expend time comparing charges you may be able to shave off some of the cost by as much as £100 plus VAT. On the other hand, if you were happy with the conveyancing the firm gave you couldcome to regret opting for an an unknown lawyer. Remember to check that the solicitor can act for Halifax. You can use our search tool to find a Deptford conveyancing firm on the Halifax approved list of lawyers, which can often include conveyancing solicitors in Deptford.
Can you suggest a Halifax approved Deptford conveyancing conveyancer finish our house move within less than a month? Am I best advised to go for a high street Deptford firm or a factory type firm?
We can recommend some very good Deptford conveyancing firms. Another option is to visit the high street in Deptford. Approach some well established firms and request to speak with a conveyancing solicitor for a fee estimate. Mention your requirements together with your reasons and get an assurance on your deadline. Choose the one that appears most efficient.
What will a local search tell me about the property my wife and I buying in Deptford?
Deptford conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search company such as Onsearch The local search is essential in every Deptford conveyancing purchase; that is if you don’t want any nasty once you have moved into your property. The search should reveal information on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic sections.
Due to the input of my in-laws I had a survey completed on a house in Deptford in advance of instructing lawyers. I have been advised that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies tend refuse to issue a mortgage on this type of property.
It varies from the lender to lender. Lloyds has different requirements for example to Halifax. Should you wish to telephone us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Deptford. Conveyancing will be smoother if you use a solicitor in Deptford especially if they regularly deal with such properties in Deptford.
Taking into account that I will soon spend £400,000 on a property in Deptford I wish to have a conversation with the conveyancer concerning thetransaction prior to instructing the firm. Is this something that you can arrange?
This is something that we recommend - it is our preference to talk to you we do not take any clients on without you liaising with the solicitor who will be doing your conveyancing in Deptford.There is no ‘factory style conveyancing’ - each client is an important person, not a matter reference. The solicitors that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Deptford should be the figure that you end up paying.
I have finally had an offer on an maisonette in Deptford agreed to, the owner does however have a connected purchase. The owners have offered on on an apartment, although it’s not yet tied up, and are looking at other properties in the pipeline. I have chosen a local conveyancing solicitor in Deptford. What do I do now? When do I get the mortgage application with Co-operative going with Co-operative?
It is understandable to have concerns where there is an associated chain as you are unlikely to want to incur expenses prematurely (mortgage application is in the region of £1k, then survey, Deptford conveyancing search fees, etc). The first thing to do is ensure that your solicitor is on the Co-operative approved list. As to the subsequent phase this very much dictated by the uniqueness of your transaction, desire for the property and on the state of the market. In a rising market many home buyers would apply for the mortgage with Co-operative and pay for the valuation and only if it was satisfactory would they request their conveyancing practitioner to move forward with the conveyancing in Deptford.