Why would I instruct a Kemp Town conveyancing company given that internet based alternatives are less overpriced?
By all means make sure that you contrast conveyancing costs in Kemp Town and you should seek a reasonable fee calculation but don’t be focused with getting the cheapest Kemp Town conveyancer. Locating the right conveyancer can mark the difference between a smooth and a distressing move. It is important that you ensure that you have expert advice from a trusted lawyer. Emails can't replace a telephone discussion and are no substitute for a face to face appointment. Our partner firms will find you a qualified and trusted conveyancing solicitor that will deal with your conveyancing from beginning to end, providing a level of continuity that you rarely receive from an web based conveyancer. Our lawyers will contact you regularly to update you as to any developments making sure that you are never in the dark. If you ever need to phone the office you will know who to ask for and we'll endeavour to make sure that you're not left wondering what's going on.
We are looking to buy a house and require a conveyancing solicitor in Kemp Town who is on the Virgin Money approved panel. Can you recommend a local firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Virgin Money . We don't recommend any particular firms conducting conveyancing in Kemp Town.
Is it necessary during the course of the conveyancing process to visit the offices of the solicitor to sign the legal charge? If so, I will choose one who does conveyancing in Kemp Town so that I can pop in to their offices if required.
Most approved lawyers for mortgage companies carry out all of the communications through Royal Mail, e-mail or over phone calls. This means that they can undertake the legal work for your home move regardless of where you live in England or Wales. However you can check if you have the option of attending the offices of your conveyancing lawyer if just in case this is required.
We previously selected conveyancers located in Kemp Town on the Santander solicitor approved list. They are now charging me a supplemental sum for the legal aspects of the Santander mortgage. Is this a supplemental conveyancing fee specified by Santander?
Provided it is contained in their Terms and Conditions or estimate then yes your conveyancer can charge a fee for this. This charge is not set by Santander but by your Kemp Town conveyancer. Some firms on the Santander panel will levy an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
I have today made my last payment due on my mortgage with Virgin Money. I assume I don't need a Kemp Town conveyancing practitioner on the Virgin Money panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Virgin Money mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Virgin Money mortgage from the register. Virgin Money, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Virgin Money has sent the Land Registry the discharge electronically, and
- Virgin Money has instructed the Land Registry to do so
I have a mortgage with Bank of Ireland for my property in Kemp Town. Conveyancing has been completed a year ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Bank of Ireland?
You must advise Bank of Ireland prior to letting out your property as this is likely to be a breach of Bank of Ireland’s mortgage conditions. It may be that Bank of Ireland will permit you to let 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 Bank of Ireland directly. It should not be necessary to do this via a Bank of Ireland conveyancing panel solicitor.
Various web forums that I have come across warn that are the number one cause of stalling in Kemp Town conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the determinations of a review by MoveWithUs that conveyancing searches do not feature within the top 10 causes of hindrances during the legal transfer of property. Searches are unlikely to feature in any holding up conveyancing in Kemp Town.
three months have elapsed since my purchase conveyancing in Kemp Town completed. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.