I am getting a mortgage offer from Halifax. I would like to enlist the help of a Licensed Conveyancer in Chelmsford. Does the Halifax Solicitor panel include conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
Can the conveyancing solicitors that you recommend handle right to buy conveyancing in Chelmsford?
We have identified plenty of conveyancing lawyers carrying out right to buy conveyancing matters You should contact us to get a conveyancing quote.
It is 10 years ago since I acquired my house in Chelmsford. Conveyancing lawyers have just been retained on the sale but I can't find the deeds. Will this cause complications?
Don’t worry too much. Firstly the deeds may be kept by your mortgage company or they may still be with the lawyers who oversaw your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in Chelmsford involves registered property but in the unlikely event that your property is unregistered it is more of a problem but is resolvable.
We are getting a further advance on our mortgage from Coventry BS as we wish to carry out a loft conversion to our property in Chelmsford. Are we obliged to appoint a local Chelmsford solicitor on the Coventry BS conveyancing panel to handle the paperwork?
Coventry BS would not normally instruct firms on their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Coventry BS conveyancing panel.
I am expecting a DIP from Lloyds this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Lloyds recommend any Chelmsford solicitors on the Lloyds conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Chelmsford solicitors independently although you'll need to choose one on the Lloyds conveyancing panel. The solicitor represents both you and Lloyds through the process.
The formalities of my purchase has taken place for my property in Chelmsford. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Almost all banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I am on look out for some leasehold conveyancing in Chelmsford. Before I get started I require certainty as to the remaining lease term.
Assuming the lease is recorded at the land registry - and 99.9% are in Chelmsford - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Chelmsford Conveyancing for Leasehold Flats - Sample of Queries Prior to Purchasing
Are there any major works anticipated that will increase the maintenance costs? You will want to find out as much as you can regarding the managing agents as they will affect your use and enjoyment of the property. Being a leasehold owner you will be at the mercy of the managing agents both financially and when it comes to practical issues such as the tidiness of the communal areas. Enquire of other people if they are happy with their management. Finally, investigate as to the dates that the service fees are due to the managing agents and specifically what it includes. On the whole the cost for major works are not built into the maintenance charges, albeit that there some managing agents in Chelmsford obliged leaseholders to pay into a reserve fund created for the specific intention of establishing a fund for major works.