I have just started taking steps with a view to changing my current residential home loan to a BTL Santander mortgage. I have been informed by my broker that I need a lawyer as part of the process. I spoke to my former Headington conveyancing solicitor who acted on my behalf when I initially bought the premises. The fee calculation supplied of just over five hundred pounds is an eye-watering amount to do this as its a remortgage than a sale or purchase.
The quote is fractionally on the high side. If you shop around you may be able to reduce the fees slightly by as much as £100 plus VAT. That being said, assuming were happy with the conveyancing the firm gave you couldlive to rue choosing an an untested conveyancer. If is important to enquire the solicitor can also act for Santander. Do make use of our search tool to get a quote a Headington conveyancing firm on the Santander member panel, which can often include conveyancing solicitors in Headington.
We note that you have a search directory identifying firms on the UBS conveyancing panel. Do companies pay you a commission if I instruct them for our own conveyancing in Headington?
We are a listing service only for law firms wishing to communicate if they are on the UBS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Headington.
My wife and I buying a detached bungalow in Headington. We would like to convert the garage to a playroom at the house.Will legal conveyancing on the property involve enquiries to determine if these works are allowed?
Your property lawyer should check the deeds as conveyancing in Headington will occasionally reveal restrictions in the title documents which prohibit certain works or require the consent of a 3rd party. Certain works call for local authority planning permissions and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor prior to committing yourself to a purchase.
About to purchase maisonette in Headington. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the UBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Headington conveyancer is on the UBS conveyancing panel.
Having digested plenty of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Headington solicitor - who is on the RBS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS 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 Headington 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.
A relative advised me that if I am purchasing in Headington I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is usually quoted for as part of the standard Headington conveyancing searches. It is a large document of more than thirty pages, listing and setting out important information about Headington around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Headington Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Headington Education with maps and statistics, Local Amenities and other useful information regarding Headington.
I need to instruct a conveyancing lawyer in Headington for my home move. Is it possible to review a solicitor's complaints history with the profession’s regulator?
Anyone can search for documented Solicitor Regulator Association (SRA) determinations resulting from inquisitions commenced on or after Jan 2008. Go to Check a solicitor's record. To find records Pre 2008, or to check a firm's record, telephone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The regulator may monitor telephone calls for training requirements.
I am an executor of my recently deceased mother’s Will, with a house in Headington which will be sold. The house has never been registered at HMLR and I'm told that some estate agents will insist that it is in place before they'll proceed. What's the mechanism for this?
In the situation you refer to it seems prudent to seek to register in the names of the personal representative(s) as named in the probate and in their capacity as PRs. HMLR’s online guidance explains how to register for the first time and what is required re the deeds and forms. You would need to include and certified copy of the probate as well and complete the form FR1 to refer to the PRs as the applicant.