lenderpanel

Find a Hartford Conveyancing Solictior on Your Lender’s Panel

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

Only LenderPanel.com provides a subset of authorised Hartford conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Hartford

As someone clueless as to the Hartford conveyancing process what is your top tip you can impart concerning the house moving process in Hartford

Not many law firms or advisers will tell you this but conveyancing in Hartford or throughout Cheshire is an adversarial experience. Put another way, when it comes to conveyancing there exists plenty of opportunity for conflict between you and other parties involved in the transaction. For example, the vendor, selling agent and on occasion your lender. Choosing a lawyer for your conveyancing in Hartford should not be taken lightly as your conveyancer is your adviser, and is the SOLE person in the transaction whose interest is to look after your best interests and to protect you.

There is a definite increase of a "blame" culture- someone must be blamed for the process taking so long. You your first instinct should be to trust your lawyer above the other parties in the home moving process.

I require quick conveyancing in Hartford as I have an ultimatum to exchange contracts within one month. Fortunately I do not require a mortgage. Is it possible to decline from having conveyancing searches to save fees and time?

As you are are a mortgage free purchaser you are at liberty not to have searches conducted although no law firm would suggest that you don't. With lots of history conveyancing in Hartford the following are examples of issues that can be revealed and adversely affect the marketability of the property: Enforcement Notices, Outstanding Charges, Overdue Grants, Unadopted Roads,...

Just bought a terraced house in Hartford , What is the estimated time for the Land Registry to register my ownership? My Hartford conveyancing solicitor works at snail pace, so I want to be certain that my purchase is registered.

There is nothing unique about conveyancing in Hartford registration formalities. Rather than based on location, timeframes can adjust subject to who lodges the application, whether there are errors and whether the Land registry must send notices to any interested parties. Currently in the region of three quarters of submission are fully addressed within 12 days but occasionally there can be extensive hold-ups. Historically registration occurs after the buyer is living at the property thus 'speed' is not always primary concern but if there is a degree of urgency associated with the registration then you or your conveyancer should contact the land registry and explain the circumstances.

Due to the advice of my in-laws I had a survey completed on a house in Hartford in advance of instructing lawyers. I have been told that there is a flying freehold element to the house. My surveyor has said that some lenders may refuse to grant a mortgage on a flying freehold home.

It depends who your proposed lender is. HSBC has different instructions from Halifax. Should you wish to call us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Hartford. Conveyancing will be smoother if you use a solicitor in Hartford especially if they are accustomed to such properties in Hartford.

Can you provide any top tips for leasehold conveyancing in Hartford from the perspective of expediting the sale process?

  • A significant proportion of the delay in leasehold conveyancing in Hartford can be avoided if you instruct lawyers the minute your agents start advertising the property and ask them to put together the leasehold documentation which will be required by the buyers’ representatives.
  • You believe that you know the number of years left on your lease but it would be wise to double-check via your conveyancers. A purchaser's conveyancer will not be happy to advise their client to to exchange contracts if the lease term is under 75 years. In the circumstances it is important at an as soon as possible that you identify whether the lease requires a lease extension. If it does, contact your solicitors before you put your home on the market for sale. Some Hartford leases require Licence to Assign from the landlord. If this applies to your lease, you should notify your estate agents to make sure that the purchasers obtain bank and professional references. The bank reference should make it clear that the buyer is financially capable of paying the yearly service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the service charge figures so that they can pass this information on to the buyers or their solicitors. If you have had any disputes with your landlord or managing agents it is very important that these are settled before the property is marketed. The purchasers and their solicitors will be concerned about purchasing a flat where a dispute is ongoing. You will have to accept that you will have to discharge any arrears of service charge or settle the dispute prior to the buyers completing the purchase. It is therefore preferable to have any dispute settled ahead of the contract papers being issued to the buyers’ solicitors. You are still duty bound to disclose particulars of the dispute to the purchasers, but it is clearly preferable to reveal the dispute as over rather than ongoing.

Leasehold Conveyancing in Hartford - A selection of Queries before buying

    It would be sensible to discover as much as possible concerning the company managing the block as they can either make living at the property much easier or uncomfortable. As the proprietor of a leasehold property you are often in the clutches of the managing agents both financially and when it comes to daily matters like the tidiness of the common parts. Ask prospective neighbours what they think of them. Finally, find out the dates that the maintenance fees are due to the managing agents and specifically what you get for your money. Generally speaking the cost for major works are not incorporated into the maintenance charges, albeit that some managing agents in Hartford obliged leasehold owners to pay into a sinking fund created for the specific intention of establishing a fund for major repairs or maintenance.

Last updated

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