I am searching for value for money property lawyer. Do I opt for a web based conveyancer rather than a high street Leigh On Sea conveyancing solicitor?
Leigh On Sea is a special area, where local insight counts for a lot. The laid-back lifestyle has it’s attractions – but not for your home move. The solicitors that we recommend combine wide Leigh On Sea intelligence with a positive, hands-onapproach that helps everything runs smoothly. It is a definite plus that they enjoy well established connections with mortgage brokers, local authorities, surveyors and other Leigh On Sea conveyancing practitioners
My fiance and I are hoping to buy a 3 bedroom flat in Leigh On Sea with a mortgage from Accord Mortgages Ltd.We would like to retain our Leigh On Sea conveyancing lawyer but Accord Mortgages Ltd informed us his firm is not on their "panel". we are left little option but to use a Accord Mortgages Ltd panel solicitor or retain our high street solicitor and fork out for one of their panel ones to act for them. This seems very unfair; is there anything we can do?
Unfortunately,no. The loan issued to you is subject to its terms and conditions, one of which will be that conveyancers must be on the Accord Mortgages Ltd approved list. in the past, most lenders had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Accord Mortgages Ltd
I need some expedited conveyancing in Leigh On Sea as I am faced with pressure to exchange contracts inside 2 weeks. Luckily I do not need a mortgage. Can I avoid the conveyancing searches to save money and time?
As you are not taking a home loan you are at free not to have searches carried out although no law firm would recommend that you don't. Drawing on our experience of conveyancing in Leigh On Sea the following are examples of what can crop up and adversely affect future mortgageability: Enforcement Notices, Overdue Fees, Outstanding Grants, Railway Schemes,...
I have todaydiscovered that Wolstenholmes have closed. They carried out my conveyancing in Leigh On Sea for a purchase of a freehold house 18 months ago. How can I establish that my home is in my name in the name of the previous owner?
The quickest way to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Leigh On Sea conveyancing specialists.
I decided to have a survey carried out on a house in Leigh On Sea ahead of instructing conveyancers. I have been told that there is a flying freehold aspect to the property. My surveyor has said that some mortgage companies will not give a mortgage on this type of home.
It depends who your proposed lender is. Lloyds has different requirements from Halifax. If you contact us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Leigh On Sea. Conveyancing will be smoother if you use a solicitor in Leigh On Sea especially if they are accustomed to such properties in Leigh On Sea.
I have miscalculated my finances and am a couple of thousand pounds short a 10% deposit on my flat purchase in Leigh On Sea , but I still want to go ahead. Do I have options?
One option is to try and agree a smaller deposit. Many vendors will accept a lower deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.
You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last moment