As I am unsure how the conveyancing process works what is the most important number one tip you can impart about purchase conveyancing in Essex?
Not many law firms or advisers will tell you this but conveyancing in Essex and elsewhere in England and Wales is an adversarial experience. In other words, when it comes to conveyancing there exists an abundance of opportunity for conflict between you and other parties involved in the legal transfer of property. For instance, the seller, property agent and sometimes your lender. Appointing a lawyer for your conveyancing in Essex should not be taken lightly as your conveyancer is your adviser, and is the ONE party in the process whose role it is to look after your legal interests and to protect you.
There is a definite emergence of a "blame" culture- someone must be blamed for the process being so protracted. You your first instinct should be to trust your lawyer above all other parties when it comes to the legal assignment of property.
What does a local search reveal regarding the house my wife and I purchasing in Essex?
Essex conveyancing often commences with the ordering local authority searches directly from your local Authority or via a personal search organisations for instance Onsearch The local search plays an important role in most Essex conveyancing purchase; as long as you wish to avoid any nasty once you have moved into your property. The search should provide information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject headings.
I used Arc property Solicitors several years ago for my conveyancing in Essex. I now require my papers however the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Essex of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
We're new on the property ladder - agreed a price, but the property agent advised that the owners will only go ahead if we appoint their preferred solicitors as they are insisting on an ‘expedited deal’. Our preferred option is to instruct a high street solicitor accustomed to conveyancing in Essex
We suspect that the seller is not behind this ultimatum. Should the vendor desire ‘a quick sale', turning down a serious buyer is not the way to achieve this. Try to communicate with the sellers directly and make the point that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you have nothing to sell (d) you wish to move quickly (e)but you intend to instruct your own,trusted Essex conveyancing solicitors - not the ones that will earn their estate agent a referral fee or meet his conveyancing targets pre-set by head office.
I have miscalculated my finances and am a few thousand pounds short a 10% deposit on my flat purchase in Essex , but I am keen proceed. Do I have options?
You can accept a lesser deposit. Most vendors will agree to a lesser deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.
You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last moment