We wanted to use a property lawyer in Pitsea for our home move. Our financial adviser has since advised us that our mortgage lenders HSBC Bank won't deal with them. Surely this is unduly restrictive?
A mortgage company can insist on an approved solicitor act for it. You would be liable to bear the charges for this. Try using our database to locate a solicitor to conduct conveyancing in Pitsea on the HSBC Bank approved list of solicitors.
I know that there are debates on Chancel Insurance on online forums. Am I compelled to take this when purchasing a residence in Pitsea? or I am told that there is a law dating back centuries that means some owners of property residing in a parish church boundary will be compelled to pay for repairs towards the chancel in proximity to the church. Is this relevant for conveyancing in Pitsea?
Unless a previous acquisition of the property completed post 12 October 2013 you can expect solicitors handling conveyancing in Pitsea to remain encouraging a chancel search and or insurance against a claim.
I have todaydiscovered that Action Conveyancing have closed. They carried out my conveyancing in Pitsea for a purchase of a freehold house 10 months ago. How can I establish that my home is in my name in the name of the previous owner?
The quickest way to see if the property 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 Pitsea conveyancing specialists.
I am in need of some leasehold conveyancing in Pitsea. Before I get started I require certainty as to the number of years remaining on the lease.
Assuming the lease is registered - and 99.9% are in Pitsea - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Pitsea Conveyancing for Leasehold Flats - A selection of Queries Prior to buying
Its a good idea to discover as much as you can concerning the managing agents as they will impact your use and enjoyment of the property. As the proprietor of a leasehold property you will be at the mercy of the managing agents both financially and when it comes to practical matters like the upkeep of the communal areas. Enquire of other tenants whether they are happy with their management. On a final note, find out the dates that you are obliged pay the maintenance charge to the appropriate party and precisely what you get for your money. If a Pitsea lease has fewer than 80 years it will affect the marketability of the property. It is worth checking with your bank that they are happy with remaining years on the lease. Leases with fewer than 80 years remaining means that you will most likely have to extend the lease sooner rather than later and you need to have some idea of how much this would cost. Remember, in most cases you will need to own the premises for a couple of years in order to be eligible to extend the lease. How much is the ground rent and service charge?
Being a leasehold owner I am liable for a maintenance fee for my appartment in Pitsea. Due to losing my job and personal issues I slipped into arrears with payments. The freeholders agreed a payment plan but there remains approximately £3000 due in arrears.
I am under pressure to sell and I am worried this can threaten to derail the sale if I have to pay off the amount due first. I'd like to sell up and then pay them back with the completion monies - is this practicable?
It would be wise to clarify with the solicitor dealing with your Pitsea conveyancing but one option could be to agree for the outstanding amount to be passed to the purchasers. The purchase price payable would be reduced to reflect the amount of debt they assume. They would then deal with the outstanding monies once they are the owners.