Find a Harlow Conveyancing Solictior on Your Lender’s Panel

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

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Recently asked questions about conveyancing in Harlow

After researching consumer advice sites for a high-quality lawyer in Harlow, many post that I must look for a CQS assured solicitor. Can you explain what CQS is?

The Conveyancing Quality Scheme (CQS) provides a kitemark for residential conveyancing practices issued by the Law Society. Membership achievement establishes a level of credibility for member firms with stakeholders (regulators, lenders, insurers and consumers) based upon: * the integrity of the senior responsible officer and other key conveyancing staff * the firm's adherence to good practice management standards * adherence to best practice conveyancing procedures via the scheme protocol the standard includes numerous companies who execute conveyancing in Harlow.

I am helping my mother sell her property in Harlow. Does the conveyancer order the energy assessment or should I organise this?

Following the abolition of Home Packs, energy performance certificates remained a mandatory component of moving house. An EPC needs to be to hand in advance of the property being marketed. It is not a task that conveyancers ordinarily arrange. Where you are instructing a Harlow conveyancing lawyer they might help arrange EPC’s due to their contacts with reputable Harlow assessors

Does a directory service exist listing Lloyds panel conveyancers in Harlow on the Council of Mortgage Lender’s Website?

Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lending institutions make their panel listings available on the web. If you are in need of a Harlow property lawyer on the Lloyds please use our tool.

My offer on a house in Harlow has been agreed to, the sellers do however have an associated purchase. The sellers have placed an offer on a flat, but it’s not yet agreed to, and have viewings of other properties in the pipeline. I have chosen a nearby conveyancing solicitor in Harlow. What should be my next step? At what point should I apply for the mortgage with UBS?

It is understandable to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is in the region of one thousand pounds, then survey, Harlow conveyancing search charges, etc). The first thing to do is ensure that your solicitor is on the UBS conveyancing panel. Concerning the subsequent phase this very much dictated by the circumstances of your transaction, motivation for this property and on the state of the market. During a buoyant market the majority of home buyers will apply for the mortgage with UBS and arrange for the valuation and only if it comes back ok would they ask their property lawyer to move forward with searches.

Will my conveyancer be asking questions concerning flooding during the conveyancing in Harlow.

The risk of flooding is if increasing concern for conveyancers dealing with homes in Harlow. There are those who acquire a property in Harlow, completely aware that at some time, it may suffer from flooding. However, aside from the physical destruction, if a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory insurance cover, or sell the premises. Steps can be carried out as part of the conveyancing process to forewarn the purchaser.

Lawyers are not qualified to give advice on flood risk, but there are a number of checks that may be undertaken by the buyer or by their lawyers which should figure out the risks in Harlow. The conventional set of property information forms given to a buyer’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a standard question of the seller to determine whether the property has historically flooded. If flooding has previously occurred and is not revealed by the owner, then a purchaser could bring a compensation claim as a result of such an misleading answer. A purchaser’s conveyancers may also conduct an environmental search. This should reveal whether there is a recorded flood risk. If so, further investigations should be carried out.

I decided to have a survey carried out on a house in Harlow before instructing lawyers. I have been advised that there is a flying freehold aspect to the property. The surveyor has said that some mortgage companies may refuse to give a mortgage on this type of property.

It depends who your proposed lender is. HSBC has different requirements for example to Halifax. If you call us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Harlow. Conveyancing will be smoother if you use a solicitor in Harlow especially if they are accustomed to such properties in Harlow.

My husband and I are FTB’s - had an offer accepted, but the selling agent advised that the owners will only proceed if we appoint their recommended solicitors as they are insisting on an ‘expedited deal’. We would rather use a local solicitor with experience of conveyancing in Harlow

It is highly unlikely the owners are driving this. If they desire ‘a quick sale', turning down a motivated buyer is likely to cause more damage than good. Speak to the owners direct and explain that (a)you are keen to buy (b)you are ready to progress, with finances arranged © you do not need to sell (d) you intend to proceed fast (e)but you will continue to instruct your own,trusted Harlow conveyancing lawyers - rather thanthose that will earn the estate agent a commission or achieve conveyancing figures pre-set by corporate headquarters.

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