When it comes to lenders such as HSBC, do Halstead conveyancers have to pay a yearly amount to be on the list of approved solicitors?
We are not aware of any lender fees to register on their list of approved firms, although some do charge an administration fee to deal with the processing of the conveyancing panel submission.
We had chosen solicitors with offices in Halstead on the Nationwide solicitor panel. They have just invoiced me a separate sum for handling the Nationwide mortgage. Is this a supplemental conveyancing fee set by Nationwide?
Unfortunately, as long as it is in their Terms and Conditions or estimate then yes your property lawyer is entitled to levy a fee for this. The fee is not set by Nationwide but by your Halstead conveyancing practitioner. Numerous firms on the Nationwide panel will quote an ‘acting for lender’ fee and others do not.
Can I be sure that the Halstead conveyancing solicitor on the Yorkshire BS panel is any good?
When it comes to conveyancing in Halstead obtaining recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always advise that you speak with the lawyer conducting your conveyancing.
I know that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when purchasing a house in Halstead? or Apparently there is a law dating back centuries that could mean that owners of property living in a parish church boundary will be compelled to contribute towards repairs towards the chancel within the church. Is this appropriate for conveyancing in Halstead?
Unless a prior purchase of the premises completed post 12 October 2013 you may expect solicitors handling conveyancing in Halstead to remain encouraging a chancel search and or insurance against a claim.
Over the last few months I have been searching for a flat up to £245,000 and found one near me in Halstead I like with a park and railway links nearby, the downside is that it's only got 51 years on the lease. I can't really find anything else in Halstead for this price, so just wondered if I would be making a grave error acquiring a short lease?
Should you need a home loan the shortness of the lease may be problematic. Discount the price by the expected lease extension will cost if it has not already been discounted. If the current owner has owned the premises for a minimum of twenty four months you could request that they commence the lease extension formalities and pass it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this.
I have been pointed in your direction by numerous property agents in Halstead to get a quote from a property lawyer on your site. What’s the financial inducement for Estate Agents to market your site rather than a competitor’s?
We don’t offer any commission for pointing buyers and sellers to this site. We found it would be just too difficult a fee because home movers will think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.
My father-in-law has urged me to instruct his lawyers for conveyancing in Halstead. Should I use them?
No doubt the ideal way to find a conveyancing lawyer is to get referrals from friends or family who have previously instructed the solicitor you're are thinking of instructing.
Am in the process of buying my first property in Halstead. Conveyancing practitioner has been chosen. The mortgage adviser advised that a survey is not appropriate as the property was only constructed in 2002.
You would be best advised to commission a Home Buyer's Report. As the residence is more than ten years old the property will not come with a warranty, so you don't want to take a risk. For a property that age with no signs of defects a Home Buyer's report could be sufficient. They will highlight any obvious problems and recommend further investigation where appropriate. Where there are any indications of problems get a comprehensive structural survey.