Last February we completed a house move in Longfield. We have since encountered a number of issues with the house which we suspect were missed in the conveyancing searches. Is there anything we can do? Can you clarify the type of searches that needed to have been conducted for conveyancing in Longfield?
The query is not clear as to the nature of the problems and if they are unique to conveyancing in Longfield. Conveyancing searches and investigations initiated as part of the buying process are designed to help avoid problems. As part of the process, the vendor fills in a form referred to as a SPIF. If the information provided is misleading, then you may have a claim against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Longfield.
As I am unsure how the conveyancing process works what is the most important piece of guidance you can give me concerning purchase conveyancing in Longfield?
Not many law firms or advisers will tell you this but conveyancing in Longfield or throughout England and Wales is often a confrontational process. Put another way, when it comes to conveyancing there is lots of room for confrontation between you and others involved in the legal transfer of property. For instance, the seller, estate agent and sometimes your mortgage company. Appointing a solicitor for your conveyancing in Longfield should not be taken lightly as your conveyancer is your adviser, and is the SOLE person in the legal process whose interest is to protect your legal interests and to protect you.
Every so often a potential adversary may try and persuade you that it is in your interests to do things their way. For instance, the estate agent may claim to be helping by suggesting your lawyer is wrong. Or your financial adviser may tell you to do something that is contrary to your solicitors guidance. You should always trust your lawyer above all other parties in the home moving process.
How do I investigate if the solicitor conducting my conveyancing in Longfield is on the bank’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for The Mortgage Works thus spending £175.00 in additional legal charges.
Feel free to make the most of the search tool on this site. Pick the mortgage company and type ‘Longfield’ or your preferred area and you will be presented with numerous conveyancers offices in Longfield or by proximity to you.
We were going to get a OIP from Leeds Building Society this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Leeds Building Society recommend any Longfield solicitors on the Leeds Building Society conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Longfield solicitors independently although you'll need to choose one on the Leeds Building Society conveyancing panel. The solicitor represents both you and Leeds Building Society through the process.
I am currently in the process of buying my council flat in Longfield. I have a mortgage agreed with Virgin Money. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use 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 Virgin Money, you will need to appoint a solicitor on the Virgin Money conveyancing panel.
After what feels like an age I have had an offer on an apartment in Longfield agreed to, but there is a chain. The sellers have offered on a property, but it’s not been accepted yet, and are looking at other apartments booked. I have chosen a local conveyancing solicitor in Longfield. What do I do now? At what point do I apply for the mortgage with Leeds Building Society?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx £1k, then valuation, Longfield conveyancing search charges, etc). First, you should ensure that your solicitor is on the Leeds Building Society conveyancing panel. Concerning the subsequent steps this very much depends on the circumstances of your case, attraction to the property and on the state of the market. During a rising market some home buyers would apply for a home loan with Leeds Building Society and arrange for the valuation and only if it was satisfactory would they request their conveyancer to proceed with the conveyancing in Longfield.
I have todayfound out that Action Conveyancing have closed. They conducted my conveyancing in Longfield for a purchase of a freehold house 18 months ago. How can I check that my home is registered correctly in the name of the previous owner?
The easiest method to check if the premises 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 Longfield conveyancing specialists.