Would the conveyancing lawyers listed on your site carry out attended exchange conveyancing in Hartlebury?
There are a few conveyancing experts who can conduct attended exchanges. Do call us to obtain a costs illustration and details as to availability.
We are expecting a mortgage offer soon. The lender mentioned the mortgage came with free conveyancing. Does this mean I have to instruct their panel solicitor as I would prefer to appoint a local conveyancing solicitor in Hartlebury?
Do check but the chances are that appoint one of their panel lawyers if you accept the "fee-free" incentive. Call the lender and ask if they make available a monetary alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor near Hartlebury.
We had chosen conveyancing lawyers with offices in Hartlebury on the Bank of Ireland solicitor panel. They have just invoiced me a further charge for handling the Bank of Ireland mortgage. Is this a supplemental conveyancing fee set by Bank of Ireland?
Unfortunately, as long as it is in their Terms and Conditions or estimate then yes your conveyancing practitioner may charge a fee for this. The fee is not set by Bank of Ireland but by your Hartlebury solicitor. Some firms on the Bank of Ireland panel will quote an ‘acting for lender’ fee and others do not.
Planning on purchasing a maisonette in Hartlebury. 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 Coventry BS 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 Hartlebury lawyer is on the Coventry BS conveyancing panel.
Bank of Ireland have agreed my mortgage in principle, my offer on a flat in Hartlebury has been accepted, what happens next?
The estate agent will wish to know who your solicitors are (ensure that the conveyancing practitioners are on the bank’s approved list). Call up Bank of Ireland or the broker and finish off any appropriate documentation. Bank of Ireland will instruct a valuer who will get in touch with the estate agent or owners to book a time for the valuation to happen. Once carried out (assuming no problems) it takes on average a week for the mortgage offer to be issued. Bank of Ireland will issue the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Hartlebury.
Are there restrictive covenants that are commonly identified during conveyancing in Hartlebury?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Hartlebury. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Over the last few months I have been searching for a ground for flat up to £235,500 and identified one near me in Hartlebury I like with a park and station in the vicinity, the downside is that it's only got 52 years on the lease. I can't really find anything else in Hartlebury suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?
If you need a home loan that many years will likely be a potential deal breaker. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the current proprietor has owned the premises for at least 2 years you may request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should consult your conveyancing lawyer about this.