It has come to my attention via my broker that my Tilbury solicitor is not on the lender Conveyancing panel. What can I do to check?
You need to contact your Tilbury lawyer directly. You lawyer should notify you what has happened. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
Do I select a Licenced Conveyancer or Solicitor for conveyancing in Tilbury?
There are two types of lawyers who can carry out conveyancing in Tilbury namely CLC regulated conveyancers or solicitors. The two can provide the legal services that you need to complete the sale or purchase of property. Both are required to execute Tilbury conveyancing to the same quality and guidelines so you may be sure that your conveyancing will be properly administered and that the requisite steps will be correctly attended to.
We are purchasing a terrace house in Tilbury. Our aim is to carry out an extension to the side at the property.Will the conveyancing process include enquiries to see if these alterations are permitted?
Your conveyancer should review the deeds as conveyancing in Tilbury can sometimes identify restrictions in the title documents which prevent categories of works or require the permission of a 3rd party. Certain works need local authority planning permissions and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be wise to check these things with a surveyor before you commit yourself to a purchase.
I can not work out if my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Tilbury building society branch on various occasions and was told it does not impact the mortgage offer and they will lend. My Tilbury conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned to say that they will not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
The solicitor must follow the CML Handbook Part 2 provisions for your lender. 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 mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
Is it necessary to take out insurance to cover chancel repairs when purchasing a residence in Tilbury?
Unless a prior acquisition of the property completed after 12 October 2013 you can take it that conveyancing practitioners delivering conveyancing in Tilbury to continue to advocate a chancel search and or insurance against a claim.
We're FTB’s - had an offer accepted, but the estate agent told us that the vendor will only issue a contract if we appoint the agent's recommended conveyancers as they need an ‘expedited deal’. Our preferred option is to instruct a family conveyancer who is familiar with conveyancing in Tilbury
We suspect that the seller is unaware of this requirement. If they require ‘a quick sale', turning down a genuine purchaser is likely to cause more damage than good. Avoid the agents and go straight to the owners and make sure they understand (a)you are motivated buyers (b)you are excited to move forward, with mortgage lined up © you do not need to sell (d) you wish to move quickly (e)but you are going to use your preferred Tilbury conveyancing lawyers - not the ones that will earn their estate agent a referral fee or achieve conveyancing thresholds set by senior management.
When it comes to my conveyancing in Tilbury should I be paying VAT on the following: (1) Land reg fee on purchase (2) Pre - completion search fee (3) SDLT E submission on purchase (4) Bank TT fee
(1) Land reg fee on purchase - No (2) Pre - completion search fees -No, (such conveyancing searches are HMLR ones and means £4 and possibly £2 bankruptcy per name on your mortgage) (3) SDLT E submission on your purchase - There is no VAT on Stamp Duty. However if the firm is charging a stamp duty e-submission fee as part of their services - some Tilbury conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the conveyancing practitioner's time in submitting the funds this way.