It is a dozen years since I acquired my home in West Thurrock. Conveyancing lawyers have just been instructed on the sale but I can't track down the title deeds. Will this cause complications?
Don’t worry too much. Firstly the deeds may be retained by your mortgage company or they could be archived with the solicitor who acted in the purchase. Secondly the likelihood is that the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers procuring up to date copy of the land registers. Most conveyancing in West Thurrock involves registered property but in the rare situation where your property is not registered it is more problematic but is not insurmountable.
My property lawyer in West Thurrock is not on the Halifax Solicitor Panel. Can I still use my family solicitor even though they are excluded from the Halifax list of approved lawyers?
The limited options available to you here include:
- Carry on with your existing West Thurrock solicitors but Halifax will need to use a solicitor on their panel. This will result in additional overall legal charges as well as result in delays.
- Find an alternative practitioner to to deal with the conveyancing, remembering to check they are on the Halifax panel
Do I select a Licenced Conveyancer or Solicitor for conveyancing in West Thurrock?
There are two types of lawyers who can do conveyancing in West Thurrock namely licenced conveyancers or solicitors. Both professionals handle conveyancing services that required to complete the sale or acquisition of property. They are both required to execute West Thurrock conveyancing to the same standards and guidelines so you can be safe in the knowledge that your conveyancing will be properly carried out and that the requirements and steps will be accurately attended to.
My wife and I are in the throws of viewing houses in West Thurrock and I am now considering a potential offer. Is it too early to have a solicitor in place? I am planning to take a mortgage with Lloyds.
It would be advisable to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the EA. As you are seeking a mortgage with Lloyds, make sure you remember to check that your lawyer is on the Lloyds conveyancing panel.
I've read lots of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local West Thurrock solicitor - who is on the Skipton conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own West Thurrock surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Is it necessary to take out insurance to cover chancel repairs when buying a property in West Thurrock?
Unless a previous purchase of the property took place after 12 October 2013 you could assume that solicitors carrying out conveyancing in West Thurrock to continue to advocate a chancel search and or insurance against a claim.
I used Action Conveyancing a few years past for my conveyancing in West Thurrock. Now, I need my files but cannot find the solicitor. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in West Thurrock of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.