FAQs

You will receive a copy of your mortgage offer, together with the terms and conditions, directly from the lender.  Your solicitor will receive a copy from the lender’s solicitor.  The lender has its own solicitor, entirely independent of yours, to ensure that your interests are separately represented.

Your solicitor will usually prepare a written report, setting out the risks, rewards and legal obligations of the plan that has been recommended to you.  It is useful to have this in writing so that you can refer to it in future.

You will need to sign the offer documents in the presence of a solicitor.  There are several ways of doing this.  You can visit your solicitor’s office.  However, if your solicitor is not local to you, they may appoint somebody to witness the paperwork on their behalf.  An additional fee may apply for this, but you should have been advised about this at the outset.  Once you have signed the paperwork, all of this should be sent back to your solicitor immediately, otherwise a delay will occur.