Are the Westcliff On Sea conveyancing solicitors identified as being on the Skipton conveyancing panel, together with their details provided by Skipton?
Westcliff On Sea conveyancing firms themselves provide us confirmation that they are on the Skipton conveyancing panel as opposed to being supplied with a list from Skipton directly.
I had a mortgage agreed in principle with Bank of Ireland. Westcliff On Sea conveyancing solicitors are selected. How long does it take for Bank of Ireland to issue the offer to the solicitor?
There is no definitive answer here. Have Bank of Ireland done the survey? Have you advised Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
Having digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Westcliff On Sea 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 normal?
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 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.
At last I have had an offer on an apartment in Westcliff On Sea agreed to, but there is a chain. The sellers have offered on somewhere, but it’s not yet tied up, and are looking at other apartments booked. I have chosen a local conveyancing solicitor in Westcliff On Sea. What do I do now? At what point should I apply for the mortgage with Kent Reliance?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur costs too early (home loan application is in the region of one thousand pounds, then valuation, Westcliff On Sea conveyancing search fees, etc). The first thing to do is check that your conveyancer is on the Kent Reliance conveyancing panel. Regarding the subsequent phase this very much depends on the circumstances of your transaction, attraction to the property and on the state of the market. During a rising market some purchasers would apply for a home loan with Kent Reliance and arrange for the valuation and only if it comes back ok would they pay their property lawyer to move forward with searches.
I own a semi-detached Edwardian house in Westcliff On Sea. Conveyancing practitioner represented me and Alliance & Leicester . I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold under the exact same address. If a house is not a freehold shouldn't I have been informed?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Westcliff On Sea and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with your conveyancing lawyer who completed the work.
How does conveyancing in Westcliff On Sea differ for newly converted properties?
Most buyers of new build residence in Westcliff On Sea contact us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is completed. This is because house builders in Westcliff On Sea typically purchase the real estate, 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 Westcliff On Sea or who has acted in the same development.
We're new on the property ladder - had an offer accepted, but the estate agent informed us that the owners will only move forward if we instruct their preferred lawyers as they need an ‘expedited deal’. We would rather use a family conveyancer accustomed to conveyancing in Westcliff On Sea
We suspect that the seller is not behind this ultimatum. Should the owner want ‘a quick sale', alienating a motivated purchaser is is going to put the whole deal at risk. Contact the vendors directly and make the point that (a)you are genuine buyers (b)you are excited to move forward, with finances arranged © you are unencumbered (d) you intend to proceed fast (e)however you will continue to instruct your preferred Westcliff On Sea conveyancing lawyers - not the ones that will earn the negotiator at the agency a referral fee or hit his conveyancing thresholds set by head office.