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Find a Harwich Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Harwich

Do the Building Society Association intend to launch a search tool with a view to to identify solicitors on the Coventry BS conveyancing panel for example in Harwich?

We would not expect to be advised of any intention on the part of the BSA to develop such a tool.

My wife and I buying a 3 bedroom semi in Harwich. Our aim is to an extension at the rear at the house.Will legal investigations on the property involve investigations to ascertain if these alterations are prohibited?

Your solicitor should review the deeds as conveyancing in Harwich will occasionally identify restrictions in the title deeds which restrict certain works or necessitated the permission of another owner. Some extensions call for local authority planning permissions and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be wise to check these things with a surveyor ahead of any purchase.

The formalities of my remortgage has taken place for my property in Harwich. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?

Almost all banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

It is not clear whether my mortgage offer requires a lease extension. I have called into my local Harwich building society branch on a couple of occasions and was advised it wasn't a problem and they will lend. My Harwich conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned to say that they refuse to lend in accordance with their specific requirements. Who do I believe?

As long as the conveyancing practitioner is on the lender approved list, she or he must comply with the CML Handbook specifications for the bank. Unless your lawyer obtains specific confirmation in writing that the lender 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 bank to contact your lawyer in writing confirming that they will accept the number of years remaining.

How does conveyancing in Harwich differ for newly converted properties?

Most buyers of new build residence in Harwich come to us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the residence is constructed. This is because developers in Harwich typically purchase the land, 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 property lawyers 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 used to new build conveyancing in Harwich or who has acted in the same development.

Can you offer any advice when it comes to choosing a Harwich conveyancing firm to carry out our lease extension conveyancing?

If you are instructing a solicitor for lease extension works (regardless if they are a Harwich conveyancing firm) it is imperative that they be familiar with the legislation and specialises in this area of conveyancing. We suggest that you speak with several firms including non Harwich conveyancing practices prior to instructing a firm. If the firm is ALEP accredited then that’s a bonus. The following questions could be useful:

    If they are not ALEP accredited then what is the reason?

I bought a garden flat in Harwich, conveyancing was carried out 9 years ago. Can you give me give me an indication of the likely cost of a lease extension? Equivalent flats in Harwich with a long lease are worth £181,000. The average or mid-range amount of ground rent is £55 invoiced annually. The lease ends on 21st October 2075

With 51 years left to run we estimate the price of your lease extension to be between £30,400 and £35,200 as well as costs.

The suggested premium range above a general guide to costs for extending a lease, but we cannot give you the actual costs without more detailed due diligence. Do not use this information in tribunal or court proceedings. There are no doubt other issues that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. You should not take any other action based on this information without first getting professional advice.

I am due to assess estimates for conveyancing in Harwich from various conveyancing practitioner and choose one. Do I tell them to sit tight until I have found somewhere to purchase.

You should wait to request your conveyancer to open a file and order searches after the offer has been accepted on the property particularly as Harwich conveyancing searches are a couple of hundred pounds.

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