I am purchasing a house and require a conveyancing solicitor in Essex who is on the Bank of Ireland conveyancing. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Bank of Ireland in certain locations such as Essex. We dont recommend any particular firm.
I'm spending time viewing houses in Essex and I am about to put in an offer. Is it premature to have a solicitor in place? I will be getting a mortgage with TSB.
It would be sensible to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their contact information on to the estate agent. As you are getting a mortgage with TSB, make sure you remember to check that your lawyer is on the TSB conveyancing panel.
I can not fathom 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 Essex bank branch on various occasions and was told they are content with the situation and they will lend. My Essex conveyancing solicitor - who is on the bank conveyancing panel- telephoned and was told they refuse to lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
The solicitor must comply with the Council of Mortgage Lenders’ Handbook Part 2 requirements for your 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 lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
At last I have had an offer on a flat in Essex agreed to, the sellers do nevertheless have a tied purchase. The owners have put an offer on a property, however it’s not yet agreed to, and are looking at other apartments booked. I have selected a nearby conveyancing solicitor in Essex. What do I do now? When do I get the mortgage application with Yorkshire BS started?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is in the region of £1k, then survey, Essex conveyancing search fees, etc). The first course of action is to check that your property lawyer is on the Yorkshire BS approved list. Concerning the subsequent steps this very much depends on the specifics of your transaction, attraction to the property and on the state of the market. In a hot market some home buyers would apply for the mortgage with Yorkshire BS and arrange for the valuation and only if it comes back ok would they request their conveyancer to proceed with the conveyancing in Essex.
I have todaydiscovered that Stirling Law have closed. They conducted my conveyancing in Essex for a purchase of a leasehold apartment 12 months ago. How can I check that my home is not still registered in the name of the former proprietor?
The easiest method to check if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Essex conveyancing specialists.
How does conveyancing in Essex differ for newly converted properties?
Most buyers of new build property in Essex approach us having been asked by the builder to exchange contracts and commit to the purchase even before the house is ready to move into. This is because developers in Essex usually buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Essex or who has acted in the same development.
My husband and I are new on the property ladder - agreed a price, yet the agent advised that the seller will only go ahead if we instruct the agent's recommended lawyers as they are insisting on an ‘expedited deal’. We would rather use a family solicitor who is familiar with conveyancing in Essex
It is improbable the vendors are behind this. If they desire ‘a quick sale', turning down a motivated buyer is not the way to achieve this. Contact 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 do not need to sell (d) you wish to move quickly (e)but you intend to use your preferred Essex conveyancing firm - as opposed tothe ones that will provide the estate agent a introducer fee or meet his conveyancing thresholds set by HQ.