I went with a local solicitor for our conveyancing in Rayleigh yesterday. Looking through the Terms and Conditions it is apparent thatwe are responsible for costs even if the dealdoes not proceed. Should I go with them or appoint a web based solicitor practice offering no move no charge conveyancing in Rayleigh?

It is usually ‘give and take’ in that if "No Sale No Fee" is advertised then the fee levels will generally be higher to cover the transactions that do not go ahead. Do bear in mind that such promotions tend not to protect you from expenses such as Rayleigh conveyancing search costs.

Can your site be used to find a Conveyancing solicitor in Rayleigh even where I’m not purchasing or selling a house, for instance where I wish to buy an office in Rayleigh with a loan from Bank of Scotland?

The service is predominantly utilised to select residential conveyancing solicitors in Rayleigh but we have recorded at the end of this page some Rayleigh commercial conveyancing firms. You should speak with the company directly to check if they are also authorised to represent Bank of Scotland

I have an AIP. The lender mentioned the loan came with free conveyancing. Is the implication that I have to use their panel lawyer as I would much rather use a Rayleigh based conveyancing firm?

You should check but the chances are that appoint one of their panel solicitors should you accept the "fee-free" offer. Call the mortgage company and see if they allow a monetary alternative. Some lenders have previously offered a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor near Rayleigh.

We had selected solicitors based in Rayleigh on the UBS solicitor approved list. They are now charging me a further amount for the legal aspects of the UBS mortgage. Is this a supplemental conveyancing fee specified by UBS?

Provided it is contained in their Terms of Engagement or Quote then yes your solicitor can levy a fee for this. The fee is not set by UBS but by your Rayleigh solicitor. Some firms on the UBS panel will quote ’dealing with mortgage’ fee and others do not.

My fiancee and I are in the process of looking at apartments in Rayleigh and I am about to put in an offer. Is it too early to have a solicitor in place? I am planning to take a home loan with Virgin Money.

It would be prudent to commence your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the estate agent. As you are obtaining a mortgage with Virgin Money, make sure you remember to check that your lawyer is on the Virgin Money conveyancing panel.

I can not fathom if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Rayleigh building society branch on various occasions and was advised it wasn't an issue and they will lend. My Rayleigh conveyancing solicitor - who is on the bank conveyancing panel- called to say that they refuse to lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?

The conveyancer has to comply with the CML Handbook Part 2 conditions for your bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

Just had an offer accepted on a new build apartment in Rayleigh. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here are examples of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Rayleigh

Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.