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Fixed Fee Quote |
No Completion No Legal Fees |
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No Hidden Extras |
Cheapest Quotes Guaranteed |
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Acting for your Mortgage
Lender included |
Completion of SDLT form
included Free |
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Discounts for multiple
transactions |
Discounts for mortgage
free sales and purchases |
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Free Quote Beating Service |
Law Society Regulated
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No Call Centres or one man
bands |
No Visits Necessary |
Conveyancing and Solicitor Fees explained
Conveyancing
is the word that defines the transfer of land or
house property from one party to another. Licensed
conveyancing in England & Wales is carried out
by local conveyancing solicitors who are governed by
the Law Society or licensed conveyancers who are
governed by the Council for Licensed
Conveyancers. Both of these organisations are
there to protect the public and all conveyancing
solicitors and licensed conveyancers must have
in place indemnity insurance to protect their
clients. The conveyancing house process can be complex
and stressful and it makes sense to use a
qualified conveyancer to take care of your
property transaction. If you have a mortgage on
the property all mortgage lenders will insist
that you use a qualified conveyancer who is on
their conveyancing panel. All of the
conveyancers on the CMS panel have been chosen
by us because they are either Law Society or CLC
registered and are on the panels of all major
mortgage lenders. For a more detailed
explanation of how the Licensed Conveyancing Law process
works check out our Conveyancing Guide which you
will find in the menu on the left hand side.
How
to choose a good Property Licensed Conveyancer
CMS have
been providing conveyancing services since 1995.
Our Directors have between them almost 60 years
of experience of working in the conveyancing
industry and we know what we are looking for in
a good conveyancing firm. We insist that our
conveyancing solicitors are registered with the
Law Society or the CLC. Every conveyancing firm
must have at least two partners and be on the
panel of all major mortgage lenders. Our
conveyancing solicitors must specialise in conveyancing law. We insist that a dedicated and
named conveyancer is appointed to take care of
CMS clients and every conveyancer must be
qualified to carry out conveyancing services. We
look for conveyancing firms who present a good,
public image via their own web-site, who provide
up to date electronic case-management and
on-line tracking and updating. All of our
conveyancers sign a legal agreement to abide by
the quotes we provide, not to charge "hidden
extras" and also to provide the level of service
published in our Service Charter - which you
will find in the left hand menu. In a nutshell a
good conveyancer will be qualified, experienced,
pro-active, IT literate, able to communicate
effectively and have a friendly and helpful
personality.
Our Quotes apply to
England & Wales only and your conveyancing will be carried out by a qualified
conveyancer or solicitor fees firm that specialises in licensed conveyancing.
Our Solicitors are
multi-partner firms and are members of the Law Society and they are on the panel of
all major mortgage lenders
Remortgages
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The first thing you must do is to instruct your
local solicitors to begin work; you should do this as soon as you
decide to re mortgage to avoid delays later on. CMS makes
this easy for you, simply obtain your choice of quotes from
the CMS web site and choose which one works best for you
then simply click to instruct. Alternatively, telephone our
customer services department on 0845 060 33 55 and they will
do everything for you.
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As soon as you accept the lowest online CMS quote you will be given
direct contact details for your conveyancer including name,
address, telephone, fax and e mail. This information is also
sent to you in a confirmatory e mail. You need to give this
information to your mortgage lender.
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The local solicitor will telephone you and will send you a
client care letter and confirmatory estimate. Some
solicitors send the initial letter by e mail so make sure
you check your e mail account. You may be asked to sign and
return one copy of the client care letter to confirm that
you want to go ahead. You will be asked to pay a sum of
money up front; this will be used to pay for necessary
disbursements (See jargon buster). If your re-mortgage
cannot proceed for whatever reason this money will be
returned to you unless the solicitor has spent it on
disbursements.
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The solicitor will ask you to complete an online remortgage
questionnaire and to provide proof of your identity (a legal
requirement). When he receives this information from you he
can begin to start work on your behalf.
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Your solicitor will obtain your deeds (if any) and if
your property is registered at the Land Registry he will
obtain Official Copy Entries.
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Your local solicitor will write to your lender (s) to obtain
repayment statements. Our
solicitors fees are very competitive.
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Once your mortgage offer is received your solicitor will
send you the Mortgage documents to sign and return. You may
be asked for confirmation of insurance details and
solicitors fees.
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When the solicitor is in possession of the signed
Mortgage documents and has checked that you have complied
with all the mortgage conditions they will arrange to
complete the re mortgage. You will be asked to suggest a
convenient date (always check whether your existing mortgage
has an early repayment penalty before setting the date).
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Once a completion date is set your solicitor will
request the mortgage funds, carry out final searches and
arrange the local search insurance. On the day of completion
solicitors will receive the mortgage funds, pay off any
existing mortgages and prepare and send to you a financial
statement together with any balance due to you.
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Following completion all solicitors will register the
re-mortgage at the Land Registry. This completes the
online conveyancing process but your file will be stored for a
minimum of 6 years.
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