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Find a Colchester Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Colchester? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Colchester home move at risk of delay or failure.

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Recently asked questions about conveyancing in Colchester

I am buying a new build flat in Colchester. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below are examples of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Colchester

    Please confirm the Lease plans are architect prepared. 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. There must be mutual enforceability of lessee’s covenants. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please supply a car parking plan.

I opted to have a survey completed on a house in Colchester in advance of appointing lawyers. I have been informed that there is a flying freehold overhang to the house. My surveyor has said that some lenders may not grant a loan on this type of premises.

It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. Should you wish to call us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Colchester. Conveyancing will be smoother if you use a solicitor in Colchester especially if they regularly deal with such properties in Colchester.

I am looking for a conveyancing solicitor in Colchester for my home move. Is there any facility to check a solicitor's complaints history with the legal regulator?

Members of the public may find presented Solicitor Regulator Association (SRA) determinations stemming from inquisitions from 2008 onwards. Go to Check a solicitor's record. For records about the period before 1 January 2008, or to check a firm's record, telephone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The SRA may recorded call for training purposes.

My wife and I purchased a leasehold flat in Colchester. Conveyancing and Bank of Ireland mortgage went though with no issue. A letter has just been received from someone claiming to own the reversionary interest in the property. Attached was a ground rent demand for rent dating back to 1994. The conveyancing practitioner in Colchester who previously acted has long since retired. What should I do?

The first thing you should do is make enquiries of the Land Registry to be sure that this person is in fact the registered owner of the freehold reversion. There is no need to instruct a Colchester conveyancing practitioner to do this as you can do this on the Land Registry website for less than a fiver. You should note that in any event, even if this is the rightful freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.

Leasehold Conveyancing in Colchester - A selection of Queries before buying

    Where a Colchester lease has less than 80 years it will affect the salability of the property. It is worth checking with your bank that they are willing to go ahead with the loan given the lease term. Leases with less than 80 years remaining means that you will most likely require a lease extension at some point and you need to have some idea of how much this would cost. Remember, in most cases you would be required to have been the owner of the premises for 24 months in order to be legally able to extend the lease. Is there a share of the freehold? Best to be warned whether fixing the lift or some other major work is due in the foreseeable future that will be shared between the tenants and could well materially impact the level of the service costs or necessitate a one off invoice.

My parents are unable to locate their Colchester land registry title on the site. They recall that back in the 70’s when they acquired the property there were complications concerning the post code not being identified on some systems.

The vast majority of residences in Colchester should be revealed. Have you tried a search with just the postcode. Ordinarily it will mention all the properties within that postcode. Assuming the property is recorded it will be there with a title number. If they bought sixty years ago it's conceivable it may be unrecorded. The address may still be revealed but with the title number identified as 'na'. In this scenario you will need to find the original title documentation which might be with your parent’s bank.

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Find out more about how flying freehold can affect your the value of a property.