Here's how we can help you feel secure in your home.
The enquiry process
With over 280 years of legal experience as one of the UK's oldest practices, we work hard to understand every client's values, needs and goals - that's why we tailor our service to fit the individual.
We'll work to clarify the issues you face by providing sound and practical legal advice, all with the aim of protecting yours and your family’s future. Transparency is key, and so we'll make sure that you fully understand the service and cost of what we're providing to you.
1. We receive your enquiry by email, phone or in person.
2. You will have a free initial chat, usually by phone, to help us to understand your needs. We'll tell you how we work, and we'll explain the costs.
3. If it's appropriate, we'll arrange a meeting to discuss your enquiry in detail.
4. We will complete the work we've agreed with you.
That's it! You're now a Woolley, Beardsleys & Bosworth client.
Mortgage or Re-mortgage of a Residential Property
Our fees quoted below cover all the work required to complete the transaction described. Unlike some of our competitors, we don't make any hidden extra charges such as referral fees to a third party, to verify your identity, to close or store a file or administration costs to arrange bank transfers. These can significantly inflate the cost of your sale or purchase so make sure to ask for a full breakdown of costs if you're seeking a range of quotations.
Our Total Fee is £350 + VAT Plus Disbursements
Disbursements are expenses that you pay to us which we pay to someone else on your behalf. We do this as the lender may require a standard local authority or bankruptcy search. This is paid on top of our fee, but we don't retain any of the money. If we find that any additional expenses need to be incurred after we have considered the lender’s requirements, we will let you know the reason for the extra expense, the likely amount, and when we shall need payment. These fees are displayed below.
Our Fees Assume That
■ This is a standard transaction and that no unforeseen matters arise including for example (but not limited to) a defect in title which need remedying before completion or the preparation of additional documents ancillary to the main transaction
■ The transaction is concluded in a timely manner and no unforeseen complications arise
■ All parties to the transaction are co-operative and there is no unreasonable delay from third parties providing documentation
■ No indemnity policies are required as additional disbursements may apply if indemnity policies are required
If we find that any additional expenses need to be incurred after we have considered the contract, searches and title documents, we will let you know the reason for the extra expense, the likely amount, and when we shall need payment.
Local Authority Search Fee or Search Insurance
Lender Panel Mortgage Administration Fee
(If appropriate depending on lender)
£90.00 + VAT
Dependent on the value of property
£2.00 per person
£10.00 + VAT
Land Registry Search
Land Registry fee
(Fee payable to land registry to register the mortgage)
Dependent on value of mortgage
click here to calculate
Stages of the process
The following is a broad outline of the work we will undertake on your behalf and the services we will provide in completing your purchase:
■ Investigate the title to the property, including carrying out title and local government searches (if required).
■ Advise you in respect of your mortgage and arrange for you to sign the mortgage deed;
■ Complete the mortgage for you
■ Register your mortgage at the Land Registry.
As far as timescales are concerned, the average process takes 2-4 weeks from receipt of the mortgage offer from the lender. We will keep you informed of progress throughout, explain the reasons for any delays and advise you if any unforeseen work becomes necessary.