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Recently asked questions about conveyancing in Rochford

When does exchange of contracts take place for residential conveyancing in Rochford and do I need to be at the conveyancers office?

If you are round the corner to our conveyancing solicitors in Rochford you are invited in to sign contracts. However, the firms we work with provide countrywide coverage for conveyancing and give as equally comprehensive and professional a job for you when dealing with you digitally. The signing of the contract is not the point of no return. Signing on the dotted line simply enables the conveyancer to address the formalities when the time is right, which will usually be very shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where a lengthy "chain" is in the mix, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Rochford)to be in the office available at the end of the phone to exchange contracts.

There are a variety of conveyancing solicitors in Rochford but how do I know who I should use?

We would encourage you not to go for the lowest Rochford conveyancing fees. You really do get what you pay for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.

I am helping my step-mother sell her property in Rochford. Does the conveyancing solicitor commission an EPC or it is for me to coordinate?

Following the abolition of Home Packs, EPC’s was kept a compulsory component of selling a property. An energy assessment should be to hand before the property is marketed. This is not something that law firms normally organise. If you are instructing a Rochford conveyancing practitioner they may help arrange EPC’s given their contacts with reputable Rochford energy assessors

I am the only recipient of my late grandmother’s estate and I have everything in my name alone, including the my former home in Rochford. Conveyancing formalities meant that the Land Registry date was in August. I want to move. I understand that there is a CML 6 month 'rule', which means that my proprietorship could be regarded the same way as though I had purchased the property in August. Will no one buy the property for half a year?

The CML handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be impacted by that. How sensible a view banks take of it, depend on the bank as this requirement primarily exists to capture the purchase and immediately sell or the wholesaling and assigning of property.

A colleague suggested that where I am purchasing in Rochford I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

This is a search is usually quoted for as part of the standard Rochford conveyancing searches. It is not a small report of more than thirty pages, listing and setting out important information about Rochford around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Rochford Education with maps and statistics, Local Amenities and other useful information about Rochford.

I decided to have a survey completed on a house in Rochford before appointing solicitors. I have been informed that there is a flying freehold aspect to the property. The surveyor advised that some banks tend refuse to give a loan on this type of house.

It depends who your proposed lender is. Lloyds has different instructions for example to Halifax. If you e-mail us we can look into this further via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Rochford. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Rochford to see if the conveyancing costs will increase in light of this.

We own a leasehold flat in Rochford. Conveyancing was finished in 2011. I have heard that I should not allow the lease length fall too short. Is this correct?

Rochford leasehold properties are for a set term - often ninety nine years when they are first granted. However many appartments in Rochford were built or converted in the 60’s and so these leases now have fewer than 80 years left to run. This may sound like a long time but Banks, Building Societies and other mortgage institutions generally need leases to have at least 75 years left to be mortgageable. This means that when you come to sell the property you will need to extend the term of your lease if you are getting close to 75 years. To increase the marketability of your property you should be considering whether or not to extend your lease well in advance of selling the property. There are also significant benefits to doing so before the lease reaches even eighty years as when the lease is below eighty years the amount to be paid to extend starts to increase.

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Find out more about how flying freehold can affect your the value of a property.