Legal Services - Get The Legal Help That's Right For Your Situation
We work both locally and nationally with solicitors and conveyancers that offer the legal services our customers need to ensure a smooth and efficient transaction. Our law firms, conveyancers and surveyors are experts in their field and have an excellent track record of customer service, but yet remain competitively priced. In addition, when you choose to work with our professional legal panel, we’ll track the current progress of your case. This means we will be able to keep you up to date and ensure the provider remains on track.
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Legal Services
Here at Simple Fast Mortgage, we know there’s more to buying a house than just getting a mortgage. Getting the right solicitor or conveyancer is important to ensure that things run smoothly. Different legal firms are particularly good for different situations and offer a variety of legal services. We work with a highly trusted panel of expert legal providers who subscribe to meet our high standards of service and professionalism. Additionally, where we recommend a legal firm, we provide oversight to make sure things stay on track. In the unlikely event there is a problem, we will help to get it sorted out quickly. In our experience, clients who use our panel of legal services, benefit from a much more efficient and stress-free transaction.
Whatever you do, do not look for the cheapest solicitor or conveyancer you can find. The chances are that any savings will be vastly outweighed by poor service, long delays, errors, and a lack of communication. Ultimately, stress! This is because very low-cost firms are forced to take on many customers in order to make a profit and will employ inexperienced and junior staff to handle your work. Such staff are unlikely to have time or experience to help you properly so you are more likely to suffer problems and delays.
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We offer a free initial consultation to assess your circumstances and confirm your options
Transfer of Equity
If your circumstances change, perhaps through divorce, separation or remarriage, you might need to change the property ownership. This is called a Transfer of Equity.
With a Transfer of Equity your conveyancer can remove one of the property’s owners, or add on someone new. If you add someone to a property which has a mortgage, the new owner also becomes liable for the mortgage. You can also change the owner’s percentage of ownership in the property depending on whether the property is to be owned as Joint Tenants or Tenants in Common. A Transfer of Equity is a legal process so you will need a solicitor. You can find out more on our Transfer of Equity page.
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Will Writing
Buying a property is one of the biggest investments you will make in your lifetime so it’s also a good time to consider what will happen to the property and your other assets when you die. This means ensuring you have an up-to-date Will in place. Even if your circumstances are straightforward, not having a Will in place (or dying intestate) can cause delays and complications resulting in stress and upset for the people you leave behind.
Through our partners, we offer Will Writing services to ensure your estate is quickly passed on in the way you want it to be. We offer access to two types of Will Writing service:
Online Will Writing – From £81 (plus 10% discount) for more straightforward situations
Bespoke Will Writing – If you need something more complex.
Unsure what is right for you? Contact Us and we will assess your situation and let you know which route is right for you. Check out our Will Writing page to learn more.
Why Choose Us
Market Wide Advice
An unlimited comprehensive range of mortgages from lenders across the market including many exclusive deals
Flexible Appointments
Flexible appointments including evenings and weekends to suit your busy schedule because we understand you are busy
No Obligation Advice
Free initial consultation to assess your needs and provide helpful initial advice so you are fully informed to make decisions
Stress Free Process
Our professional and friendly team will help manage every aspect of the mortgage process through to completion
Free Lifetime Reviews
Free periodic reviews to make sure everything is working as it should be and that you remain on the best deal
Protecting your needs
Personalised advice on life and home insurance to ensure that your home and family are protected if things go wrong
Conveyancing (Property Legal Services)
Conveyancing is the legal process of transferring property ownership between owners or mortgage lenders. You can choose either a solicitor, lawyer, or a licenced conveyancer to complete the work.
Conveyancing is a mandatory part of buying or refinancing a property, and is vital to protect you and any mortgage lender. It’s really important to appoint the right professional to deal with all the legal work. It’s their job to go through the legal process to transfer property ownership from one person or organisation to another, or from one mortgage lender to another. They’ll do everything from conducting searches and enquiries, highlighting any issues, transferring funds, repaying any existing mortgages, notifying Land Registry and registering the interest of any relevant parties.
There are different types of conveyancing depending on whether you are buying a property or refinancing a property. Also, the type of loan, or the situation, could mean a different type of conveyancing is needed. For example, commercial or residential conveyancing, conveyancing on death, or conveyancing for international or expat clients. These usually fall into one of the below categories:
Tip: You can use the links below to request a personalised quote after six questions.
Buy to Let Conveyancing (for purchase or remortgage)
Equity Release Conveyancing
Each has a different process and your conveyancer will advise you further once you start work with them. Visit our Conveyancing page to find out more or request a personalised quote.
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Property Surveys
Although technically not a legal service, a property survey is one of the most important professional services when buying a property as it confirms the value and condition of the property. This enables you to discover any issues with the property and confirms it is worth the price you are paying.
Most mortgage lenders will carry out their own property valuation before agreeing to a mortgage. This is called a basic valuation and does not offer the buyer any real helpful insights into the property’s condition. The lender uses the valuation to protect their interests by checking that the property is suitable for them to lend money on. You won’t normally be permitted to see the survey report which is why it’s important to get your own survey.
As such, almost all buyers will instruct an independent survey of the property and this is where we can help. We can arrange different types of surveys, depending on your needs and the property type. This will provide valuable insight into the condition of the property, such as whether there are any issues such as damp or subsidence, and will also confirm if you are paying too much. The survey will provide advice on how to fix any issues and what the cost might be. If things don’t come back as expected, you have the option to renegotiate the price with the seller. If it is really bad, you may even drop out of the purchase.
Property Survey Options
There are different types of survey available but the main types are:
Tip: Click the links below to get a quote within four questions
Specialist Property Survey
Help to Buy Valuation
These surveys report on the condition of the property but the level of detail depends on the survey type. The type of survey you need depends on a number of factors including the loan to value, the lender, type of application and the property details. Visit our page on Property Surveys for more information.
Power of Attorney
In some situations, it might be right to register a Power of Attorney. An example of this is when taking an Equity Release Lifetime Mortgage.
A Power of Attorney allows you to legally choose someone to make decisions and act on your behalf if you no longer can or no longer want to do so yourself. Power of Attorney allows someone to make decisions about your finances and your health care. You can choose from two different types of Power of Attorney: an Ordinary Power of Attorney and a Lasting Power of Attorney (which replaced the Enduring Power of Attorney). See our dedicated Power of Attorney page to discover more or Contact Us.
Second Charge
A Second Charge is normally used to borrow further money against a property whilst keeping the main mortgage (first charge) in place. They are also known as Second Mortgages or Secured Loans and your new lender will add a further legal charge on your property, which will only be removed once the debt has been repaid.
A second charge can be very useful if, for example, you need to borrow more money but the main mortgage lender will charge an early repayment penalty if their loan is repaid. Also second charge lenders tend to be more flexible if your circumstances are more challenging, and may allow you to borrow more than your current lender.
Second charge or secured loan lenders do not have the priority to be repaid first and because of this rates on second charges tend to be higher. It’s worth speaking to one of our mortgage advisors who can go through all the options available so you can make an informed and educated decision about how best to proceed. Call us on 0333 090 2025 to find out more or check out our dedicated page on Second Charges.
