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Helping You Understand Your Re mortgage...
To help give you the best possible advice about the service we provide at Hackett Windle, we have put together some answers to the most frequently asked questions!
What happens as soon as Hackett Windle receives instruction?
Once we have received our instructions to act for you
(this normally comes from Simplicity Financial
Services), you can expect to hear from us within
7 working days. We will write to both you and
your financial adviser to acknowledge our instruction
and send you our Terms of Business letter and
‘Re mortgage’ guide. At this stage
we will tell you who will deal with your case,
and they will become your contact at Hackett Windle throughout the transaction.
Our aim is to ensure that your re mortgage completes as soon as possible and there are some points we need to tell you about which will help us to achieve this for you.
In most cases, you will have been introduced through Simplicity Financial Services. If this applies to your case, we will consider them to be the acting agent on your behalf and we will therefore accept instructions on your behalf from them. For example:
Our aim is to ensure that your re mortgage completes as soon as possible and there are some points we need to tell you about which will help us to achieve this for you.
In most cases, you will have been introduced through Simplicity Financial Services. If this applies to your case, we will consider them to be the acting agent on your behalf and we will therefore accept instructions on your behalf from them. For example:
- That any completion statement we send to
your adviser is correct and approved and that
we can therefore complete that case on your
behalf without having to get your specific
agreement.
- That they can advise us on any outstanding
life or building insurance and whether the
same is needed or not.
- That any information that we have on file
can be disclosed to your adviser in order
to assist in completing the case as soon as
possible.
- That we can rely on what the third party tells us in relation to helping us complete and that any recourse in the event of any dispute will therefore be directed against your adviser and not us.
What happens next?
When one or two people wish to transfer a property
into single or joint names, you will require a
Transfer of Equity. For example, a house in the
sole name of the husband to be transferred into
either the wife’s sole name or joint names.
In these cases, the transferor will need to take
separate legal advice as we cannot act for both
parties. We charge a separate fee for a Transfer
of Equity and you may also have to pay extra Land
Registry fees in these cases. We will, of course,
inform you of any extra charges at the earliest
possible opportunity.
Instruct Your Own Conveyancing -
Click here to visit Hackett Windle where you can instruct your own conveyancing.