AssumingI was to buy a freehold housein High Holborn for cash and have no survey and no local authority searches how much could I expect to to save on my conveyancing in High Holborn?
Any savings you would achieve will be isolated to the disbursement for searches. The conveyancing practitioner is obliged to do the vast majority of work - money laundering, correspond with the vendors conveyancer, stamp duty submission, register the ownership etc. You might save a bit for them not needing to register a mortgage but it will not be meaningful.
Can your site be used to find a Conveyancing solicitor in High Holborn even if I’m not buying or selling a house, for example if I want to buy an office in High Holborn with a mortgage from Barnsley Building Society?
Our search tool is primarily utilised to get a quote from domestic conveyancing solicitors in High Holborn but we have recorded towards the bottom of this page a selection of High Holborn commercial conveyancing firms. You should make contact with the solicitors directly to check if they are also authorised to represent Barnsley Building Society
I am assisting my sister sell her flat in High Holborn. Will the conveyancer order the EPC or do I organise this?
Following the demise of Home Information Packs, EPC’s became a mandatory component of moving property. An energy performance certificate should be to hand before the property is advertised. This is not something that lawyers ordinarily organise. If you are using a High Holborn conveyancing solicitor they might be able to arrange energy assessments given their contacts with reputable local accredited person
I am being told by my conveyancer that lack of planning permission insurance is needed on my purchase. What is the level of cover for High Holborn conveyancing?
The right level of lack of planning permission indemnity insurance should be dictated by who your lender. It would differ for example between Yorkshire Building Society and Barnsley Building Society. Conveyancing practitioners as opposed to borrowers take out such insurances.
The mortgage over my property is with TSB for my property in High Holborn. Conveyancing was finalised 12 months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform TSB?
Your original mortgage agreement with TSB will provide that you need their approval before letting out your property as this is likely to be a breach of TSB’s mortgage conditions. In many cases banks or building societies will allow you to rent 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 TSB directly. You need not do this via a TSB conveyancing panel lawyer.
Me and my brother own a renovated Georgian property in High Holborn. Conveyancing lawyer acted for me and Bank of Scotland. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, another for leasehold under the exact same address. Is it worth asking Bank of Scotland to clarify?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in High Holborn and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with the conveyancing practitioner who completed the work.
Due to the input of my in-laws I had a survey completed on a property in High Holborn ahead of appointing conveyancers. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some lenders may refuse to issue a loan on such a house.
It varies from the lender to lender. HSBC has different instructions for example to Nationwide. Should you wish to call us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in High Holborn. Conveyancing will be smoother if you use a solicitor in High Holborn especially if they are familiar with such properties in High Holborn.
Should I be suspicious about estate agents that I am dealing with are suggesting an internet conveyancing firm rather than a High Street High Holborn conveyancing company?
As is the case with many service providers, often suggestions from family and friends can be most helpful. But there are numerous people with a vested interest in a conveyancing transaction; estate agents, mortgage brokers and lenders might all suggest conveyancers to choose. On occasion these conveyancers might be known to one of the organisations as experts in their field, but occasionally there is an underlying financial incentive behind the endorsement. You are at liberty to select your own lawyer. You need to be aware that most mortgage providers specify a panel list of solicitors you must use for the lender aspect of your conveyancing.