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Find a Westcliff On Sea Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Westcliff On Sea? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Westcliff On Sea conveyancing at risk of delay or failure.

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Recently asked questions about conveyancing in Westcliff On Sea

Is it the case that all Westcliff On Sea conveyancing solicitors on the Lloyds conveyancing panel are regulated by the SRA?

As solicitors, in order to be on the Lloyds conveyancing panel they would need to be regulated by the SRA. The majority of banks do permit licenced conveyancers on their panel in which case such firms would be overseen by the CLC.

I have instructed a Westcliff On Sea property lawyer having checked that they are on the Barclays conveyancing panel. Does my lawyer arrange the survey of the property?

Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays 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 Westcliff On Sea 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.

Kent Reliance have agreed my home loan in principle, my offer on a flat in Westcliff On Sea has been agreed to, what are the next steps?

Your estate agent will wish to be advised as to your conveyancing practitioner's details (be sure the conveyancing practitioners are on the bank’s approved list). Call up Kent Reliance or the broker and finalise any outstanding paperwork. Kent Reliance will instruct a valuer who will get in touch with the estate agent or seller to schedule an appointment. Once carried out (assuming no problems) it takes approximately a fortnight to get a mortgage offer. Kent Reliance will send the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Westcliff On Sea.

Despite weeks of looking the Title Certificate and documents to my house are lost. The solicitors who conducted the conveyancing in Westcliff On Sea 5 years ago are no longer around. Will I be able to sell the house?

Assuming you have a registered title the information relating to your ownership will be held by the Land Registry with a Title Number. It is easy to execute a search at the Land Registry, locate your house and secure current copies of the Registered Entries for a small fee. Where the title is Leasehold then the Land Registry will usually hold a file copy of the Registered Lease and again, a copy can be ordered for £20 inclusive of VAT.

How does conveyancing in Westcliff On Sea differ for newly converted properties?

Most buyers of new build property in Westcliff On Sea come to us having been asked by the builder to exchange contracts and commit to the purchase even before the premises is constructed. This is because builders in Westcliff On Sea tend to buy the site, 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 conveyancers 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 accustomed to new build conveyancing in Westcliff On Sea or who has acted in the same development.

Due to the input of my in-laws I had a survey completed on a property in Westcliff On Sea in advance of retaining lawyers. I have been told that there is a flying freehold element to the property. My surveyor advised that some banks may refuse to issue a loan on a flying freehold home.

It varies from the lender to lender. Santander has different requirements for example to Halifax. Should you wish to telephone us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Westcliff On Sea. Conveyancing may be slightly more expensive based on your lender's requirements.

I am hoping to put an offer on a small detached house that appears to be perfect, at a reasonable price which is making it more attractive. I have subsequently been informed that it's a leasehold as opposed to freehold. I am assuming that there are issues buying a house with a leasehold title in Westcliff On Sea. Conveyancing lawyers have are soon to be instructed. Will they explain the issues?

Most houses in Westcliff On Sea are freehold rather than leasehold. In this scenario it’s worth having a local conveyancer used to dealing with such properties who can help the conveyancing process. We note that you are buying in Westcliff On Sea so you should seriously consider looking for a Westcliff On Sea conveyancing practitioner and be sure that they have experience in transacting on leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a lessee you will not be at liberty to do whatever you want to the property. The lease will likely included provisions such as requiring the freeholder’sconsent to conduct alterations. You may also be required to pay a service charge towards the upkeep of the estate where the property is part of an estate. Your lawyer should report to you on the legal implications.

Westcliff On Sea Conveyancing for Leasehold Flats - Sample of Queries Prior to buying

    How many years remain on the lease? Does the lease have onerous restrictions? How much is the ground rent and service charge?

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