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Remortgaging - Use free provided legal firm or my own solicitor?
dhokes
Posts: 340 Forumite
I'm looking to remortgage and pay off my help to buy equity loan with additional borrowing. I've received a mortgage offer with HSBC and they include a basic free legal service. I've been assigned Optima Legal for the legal work.
I was wondering do I need to use them? The online reviews aren't great and I'm thinking I'd rather pay a firm that's closer to me that's also easier to contact and chase if it needed.
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Comments
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I think id rather do anything in the world than use Optima Legal at the moment.0
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Deleted_User said:I think id rather do anything in the world than use Optima Legal at the moment.
Aha, bad experience so far?
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Average of 90 minutes to get through to them recently. Friend made it to 3.5hours one day0
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We remortgaged with the Halifax earlier in the year and their free legals were provided through Optima.
We had a really good experience with Optima and found them to be very efficient but we did start the remortgage process in plenty of time before our deal with the previous lender expired, which gave them plenty of time to get the paperwork in order.
We had no complaint with the service and would be happy to use them again in the future. But we never had any reason to call them so can't comment on their phone service. We provided all of the required documentation through their online portal which we found to be very easy to use, clear and concise.0 -
If you ask most brokers, they would suggest taking the cashback option and using your own conveyancer rather than using a lender free-legals warehouse.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.1
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'Free legals' - the one service in the UK where you can always guarantee value for money.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.2
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