I am buying a property mortgage free in Hornchurch. I have resided for the previous 20 years in Hornchurch. Conveyancing searches are expensive. As I know the road and vicinity intimately should I not bother getting the solicitor to do all the conveyancing searches?
In the absence of a home loan, then almost all of the Hornchurch conveyancing searches are at your discretion. Your solicitor will try and sway you, no-doubt strongly, that you should have searches completed, but he is duty bound to do this. One thing to consider; if you are going to dispose of the house in the future, it may be of interest to your prospective buyer what the searches contain. There are plenty of instances where premises with day to day issues can still reveal negative search results. A good conveyancing solicitor in Hornchurch will be able to give you some constructive guidance in this regard.
We have a mortgage agreed in principle with UBS. Hornchurch conveyancing lawyers were chosen. What is the average time that one could expect to receive a mortgage offer from UBS?
There is no definitive answer here. Have UBS completed the survey? Have you informed UBS as to your lawyers' details and checked that your lawyers are on the UBS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I have decided to exercise my right to buy my property in Hornchurch off the council. I have a mortgage offer with Leeds Building Society. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Leeds Building Society, you will need to appoint a solicitor on the Leeds Building Society conveyancing panel.
The formalities of my remortgage has taken place for my property in Hornchurch. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
How does conveyancing in Hornchurch differ for new build properties?
Most buyers of new build residence in Hornchurch come to us having been asked by the developer to sign contracts and commit to the purchase even before the residence is finished. This is because house builders in Hornchurch tend to purchase 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 Hornchurch or who has acted in the same development.
Taking into account that I am about to spend £400,000 on a garden flat in Hornchurch I wish to talk to a conveyancer regarding thehome move prior to giving the go ahead to the firm. Is this something that you can arrange?
Absolutely - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer who will be conducting your property ownership legalities in Hornchurch.There is no ‘factory style conveyancing’ - each client is unique individual, not a matter number. The solicitors that we put you in touch with believe that the fees you are provided with for residential conveyancing in Hornchurch should be the figure that you are charged.
I am using a search engine for the term on line conveyancing in Hornchurch it brings up numerous solicitorsin the area. How do I determine which is the right solicitor for the sale of my house?
The ideal way of seeking a suitable conveyancer is through a trusted referral, so enquire of friends and relatives who have bought a property in Hornchurch or a reputable estate agent or mortgage broker. Charges for conveyancing in Hornchurch vary, so it's a good idea to secure a minimum of four costs illustrations from varying types of companies. Make sure that you know that the fees are fixed.