We are looking to buy a house and require a conveyancing solicitor in Kelvedon who is on the Nationwide conveyancing panel. Can you recommend a local solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Nationwide . We don't recommend any particular firms conducting conveyancing in Kelvedon.
Are the BSA planning on creating a online directory to to identify practices on the Melton Mowbray Building Society conveyancing panel for instance in Kelvedon?
Lexsure has not been advised of any plans on the part of the BSA to promote such a tool.
My wife and I have organised the release of further funds on our mortgage from Virgin Money as we want to carry out renovations to our home in Kelvedon. Are we obliged to select a bricks and mortar Kelvedon solicitor on the Virgin Money conveyancing panel to handle the paperwork?
Virgin Money would not normally appoint a member of their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Virgin Money list.
I have today made my last payment due on my mortgage with UBS. I assume I don't need a Kelvedon solicitor on the UBS panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
At last I have had an offer on an apartment in Kelvedon accepted, the owners do however have a connected purchase. The sellers have offered on a property, however it’s not yet agreed to, and have viewings of other apartments in the pipeline. I have chosen a local conveyancing solicitor in Kelvedon. What should be my next step? At what point do I apply for the mortgage with Barclays?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of £1k, then valuation, Kelvedon conveyancing search fees, etc). The first course of action is to ensure that your lawyer is on the Barclays conveyancing panel. As to the next phase this very much dictated by the specifics of your case, attraction to this property and on the state of the market. In a hot market many home buyers will apply for the mortgage with Barclays and arrange for the valuation and only if it was satisfactory would they ask their conveyancer to move forward with searches.
It has been 2 months since my purchase conveyancing in Kelvedon concluded. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I am looking for a flat up to £305k and identified one close by in Kelvedon I like with amenity areas and transport links in the vicinity, the downside is that it's only got 49 years unexpired on the lease. I can't really find anything else in Kelvedon suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?
If you require a mortgage that many years will be problematic. Discount the price by the expected lease extension will cost if not already taken into account. If the existing proprietor has owned the property for a minimum of 2 years you may request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should consult your conveyancing solicitor concerning this matter.
I have been pointed in your direction by numerous estate agents in Kelvedon to locate a solicitor using your seach tool. What’s the financial inducement for Estate Agents to promote your site ahead of another?
We don’t offer any referral fee for pointing buyers and sellers in our direction. We thought it would be too underhand to pay a commission because a client could think, ‘How come the agent getting a kickback? Why am I not getting any benefit too?’ So we decided to step away from that.