Cost of Discharging a Mortgage
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Don McLean from Dalkeith
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12 June 2017
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Legal questions and answers
Question
Having completed a mortgage with the Alliance and Leicester, what does it cost to have a mortgage discharge as required under Scottish Law? Does this have to be done by a solicitor? Your advice would be extremely helpful.
Answer
The cost of a discharge is not a large expense. The registration dues amount to £60 in every case.The fee charged by a solicitor should not be substantial but it will vary from one firm to the next - my firm charges £200 + VAT for this service, totalling £300 with the registration fees. These figures may change in the future.
Most of the lenders will not deal with anyone other than a solicitor and, in any event, it is essential to ensure that the discharge is properly framed. As Alliance & Leicester is part of Santander Group, the discharge will not be a straightforward document so it is unlikely that anyone would be able to draft it correctly without conveyancing experience.
Mary McQueen, McQueen Legal
Take a look at our guide on conveyancing in Scotland for further advice on the Scottish conveyancing process.
Mary McQueen
McDougall McQueen
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