My Solicitor in Burnham On Crouch has never been on on the Chelsea Building Society Approved Panel. Can I still retain my prefered solicitor notwithstanding that they are excluded from the Chelsea Building Society approved list?
The limited options available to you here include:
- Carry on with your existing Burnham On Crouch lawyers but Chelsea Building Society will need to use a lawyer on their list of acceptable firms. This will inevitably rack up the total conveyancing fees and result in frustration.
- Choose an alternative solicitor to act in the purchase, not forgetting to check they are Convince your solicitor to use their best endeavours to join the Chelsea Building Society conveyancing panel
I am helping my niece sell her house in Burnham On Crouch. Does the conveyancing solicitor order an EPC or do I organise this?
Following the abolition of Home Packs, EPC’s was left as a compulsory element of moving house. An energy performance certificate must be commissioned before the property is put on the market. It is not something that law firms ordinarily organise. Where you are instructing a Burnham On Crouch conveyancing practitioner they may be willing to arrange energy performance certificates due to their contacts with long established Burnham On Crouch providers
I have decided to exercise my right to buy my property in Burnham On Crouch off the council. I have a mortgage offer with Co-operative. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Co-operative, you will need to appoint a solicitor on the Co-operative conveyancing panel.
It is unclear whether my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Burnham On Crouch building society branch on a couple of occasions and was told they are content with the situation and they will lend. My Burnham On Crouch conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they will not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. I have no idea who is right.
Provided that the conveyancer is on the mortgage company approved list, she or he must follow the CML Handbook conditions for the 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 mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
Yesterday I discovered that there is a flying freehold element on a property I have offered on a fortnight ago in what should have been a quick, chain free conveyancing. Burnham On Crouch is the location of the property. Can you shed any light on this issue?
Flying freeholds in Burnham On Crouch are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Burnham On Crouch you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Burnham On Crouch may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
Taking into account that I will soon spend hundreds of thousands of pounds on a garden flat in Burnham On Crouch I wish to have a conversation with the lawyer concerning thetransaction ahead of appointing the firm. Can this be arranged?
Absolutely - we would be delighted to talk to you we do not take any clients on without you liaising with the solicitor due to be carrying out your property ownership legalities in Burnham On Crouch.There is no ‘factory style conveyancing’ - each client is unique individual, not a file reference. The law firms that we put you in touch with believe that the figure you are calculated and presented to you for your conveyancing in Burnham On Crouch should be the amount on the final invoice that you end up paying.
We are in the process of buying a flat in Burnham On Crouch. Conveyancing is not complete but we wish to keep our purchase price a secret from sites such as Zoopla. How could this be achieved ?
HMLR by statute are obliged to specify price paid information on the official title for residential properties countrywide including premises in Burnham On Crouch. The Title Register is an open document, so the Land Registry would be breaking the law excluded certain homes such as the property in Burnham On Crouch.
In essence you can make a request of HMLR to withhold the amount paid entry however the response would be in the negative.