Would the conveyancing solicitors listed on your site conduct conveyancing in Maldon by way of an attended exchange?
There are a few conveyancing specialists carrying out attended exchanges. You should e-mail us to secure a costs illustration and details as to dates.
How can we know in advance if a Maldon conveyancing solicitor on the HSBC panel is any good?
When it comes to conveyancing in Maldon seeking recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the solicitor handling your conveyancing.
We have agreed to purchase a house in Maldon. A rare aspect is that the roof has a solar panel. Clydesdale have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Clydesdale your lawyer must check the formal instructions outlined in Section 2 of UK Finance Lenders’ Handbook for Clydesdale. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and conveyancers are required to report to Clydesdale where a lease fails to satisfy these conditions. The conditions relate to the installation of panels on properties in England and Wales and is not restricted to Maldon.
My offer on a property in Maldon has been agreed to, but there is a chain. The owners have put an offer on a property, but it’s not been accepted yet, and are looking at other flats in the pipeline. I have chosen a bricks and mortar conveyancing solicitor in Maldon. What do I do now? When should I get the mortgage application with Barclays going?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is in the region of £1k, then valuation, Maldon conveyancing search costs, etc). First, you should check that your solicitor is on the Barclays approved list. Regarding the subsequent phase this very much depends on the specifics of your case, motivation for the property and on the state of the market. In a rising market many home buyers will apply for a home loan with Barclays and pay for the valuation and only if it comes back ok would they ask their property lawyer to press on with the conveyancing in Maldon.
I have recentlydiscovered that Stirling Law have closed. They carried out my conveyancing in Maldon for a purchase of a freehold house 10 months ago. How can I be sure that my home is not still registered in the name of the previous owner?
The easiest way to check if the property is in your name, you can carry out 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 Maldon conveyancing specialists.
How does conveyancing in Maldon differ for newly converted properties?
Most buyers of new build property in Maldon approach us having been asked by the developer to sign contracts and commit to the purchase even before the property is ready to move into. This is because house builders in Maldon 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 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 used to new build conveyancing in Maldon or who has acted in the same development.
I am looking for a flat up to £195,000 and found one round the corner in Maldon I like with amenity areas and railway links nearby, however it only has 49 years unexpired on the lease. I can't really find anything else in Maldon for this price, so just wondered if I would be making a mistake buying a lease with such few years left?
Should you need a home loan the shortness of the lease will be problematic. Discount the price by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for at least 2 years you may request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this matter.