Find a Lender-Approved Local Conveyancer in Addiscombe

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Cheap conveyancing in Addiscombe does not necessarily mean low quality - but the odds are stacked against you

Logical reasons to use our service to assist you find a high street conveyancing solicitor in Addiscombe

  • 1 This site is the first site offering you the facility to ensure that your property ownership legalities in Addiscombe will be carried out by a solicitor on your bank approved panel.
  • 2 Addiscombe solicitors will be familiar with the local Land Registry Office, Local Authority and selling agents
  • 3 Personal touch together with pure property local knowledge are key benefits that you should look for when selecting conveyancing solicitors. Addiscombe home moves can be made a lot more stressful as a result of lack of transparency between all the parties. The lawyers listed strive to make sure that the lines of communication are open and act on arising issues and developments expeditiously.
  • 4 The hallmark of our conveyancing solicitors in Addiscombe is quality not quantity. The level of service offered by conveyancing "factories" (sometimes 'recommended' by national chain estate agents) often falls short of the high standards of professionalism you would hope for.
  • 5 Solicitors that specialise in conveyancing in Addiscombe regularly deal withlocal issues specific to Addiscombe and therefore you may benefit from better guidance and speedier conveyancing.

Examples of recent conveyancing in Addiscombe since April 2024*

Recently asked questions about conveyancing in Addiscombe

I am progressing with the sale of my house in Addiscombe and the EA has just text me to say that the purchasers are swapping property lawyer. The reason given is that the mortgage company will only work with property lawyers on their conveyancing panel. Why would a big named lender only engage with specific solicitors rather the firm that they want to select for their conveyancing in Addiscombe ?

UK lenders have always had panels of law firms they are content to work with, but in the past few years big names such as Lloyds Banking Group, have considered and reduced their conveyancing panel– in some cases removing conveyancing firms who have represented them for more than 25 years.

Mortgage companies point to the increase in fraud as the reason for the pruning – criteria have been stiffened as a smaller panel is easier to monitor. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society claims that it is hearing daily from firms that have been removed from panels. Some are unaware that they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyers' case. Your buyers are unlikely to have any impact on this.

About to place an offer on a leasehold property in Addiscombe. The estate agents assure me that it is normal for flats in Addiscombe to have less than 75 years unexpired on the lease. I am getting a loan with Bank of Ireland. Will the property be mortgageable given that the lease has 69 years left.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 9/7/2024 the requirements read as follows :

Yes, subject to a minimum lease term of 85 years. The unexpired lease term must be at least the mortgage term plus 45 years. See also 5.14.9

Last month we had a mortgage agreed in principle with Bank of Ireland. Addiscombe conveyancing practitioners are instructed. How long does it take for Bank of Ireland to issue the offer to the lawyer?

Some lenders take longer than others. Have Bank of Ireland completed the valuation? Have you advised Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

We were going to get a OIP from Nationwide this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Nationwide recommend any Addiscombe solicitors on the Nationwide conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Addiscombe solicitors independently although you'll need to choose one on the Nationwide conveyancing panel. The solicitor represents both you and Nationwide through the process.

I am due to exchange contracts on my apartment. I had a double glazing fitted in June 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Leeds Building Society are being problematic. The Addiscombe solicitor who is on the Leeds Building Society conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Leeds Building Society are requiring a building regulation certificate. Why do Leeds Building Society have a conveyancing panel if they don't accept advice from them?

It is probably the case that Leeds Building Society have referred the matter to their valuer. The reason why Leeds Building Society may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

What does commercial conveyancing in Addiscombe cover?

Commercial conveyancing in Addiscombe covers a broad range of advice, given by qualified solicitors, relating to business property. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.

I need to retain a conveyancing solicitor for remortgage conveyancing in Addiscombe. I have land on a site which looks to be the perfect answer If it is possible to get all formalities done via web that would be preferable. Should I be wary? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

I have finally had an offer on an apartment in Addiscombe accepted, the seller does however have a dependent purchase. The current proprietors have offered on somewhere, however it’s not yet tied up, and are looking at other apartments booked. I have chosen a nearby conveyancing solicitor in Addiscombe. What do I do now? When should I get the mortgage application with Virgin Money going with Virgin Money?

It is understandable to have anxieties where there is an associated chain given your reluctance to be too out of pocket prematurely (mortgage application is approx £1k, then survey, Addiscombe conveyancing search fees, etc). The first course of action is to check that your solicitor is on the Virgin Money conveyancing panel. Regarding the subsequent phase this very much depends on the uniqueness of your case, desire for the property and on the state of the market. During a buoyant market the majority of buyers would apply for the mortgage with Virgin Money and pay for the survey and only if it comes back ok would they pay their solicitor to proceed with the conveyancing in Addiscombe.

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Sample of conveyancing solicitors in Addiscombe regulated by the SRA

It is important to note that the listed firms do not limit their work for conveyancing in Addiscombe but also conveyancing throughout England and Wales.

  • Anne Cuthbert Solicitors, 55 Lower Addiscombe Road, Croydon, Surrey, CR0 6PQ
  • Deton Solicitors, 28 Portland Road, South Norwood, London, London, SE25 4PF
  • Haider Kennedy Legal Services Ltd, 25 Station Road, London, SE25 5AH
  • Ormerods, 45 Friends Road, Croydon, Surrey, CR0 1ED
  • Percy Holt & Nowers, 42 George Street, Croydon, Surrey, CR9 1NE

Commercial Conveyancing solicitors in Addiscombe regulated by the SRA

The list below is a small selection of solicitors in Addiscombe specialising in commercial conveyancing in Addiscombe. This should include advice on re-mortgaging commercial property
  • Anne Cuthbert Solicitors, 55 Lower Addiscombe Road, Croydon, Surrey, CR0 6PQ
  • Ormerods, 45 Friends Road, Croydon, Surrey, CR0 1ED
  • Percy Holt & Nowers, 42 George Street, Croydon, Surrey, CR9 1NE
  • Mansouri & Son, 37a - 37b High Street, Croydon, Surrey, CR0 1QB
  • Cardinal Solicitors, 2nd Floor, 51-53 London Road, Croydon, Surrey, CR0 2RF

Domestic Licensed Conveyancers in Addiscombe regulated by the Council of Licensed Conveyancers

Please note that the listed conveyancers do not limit their work for conveyancing in Addiscombe but also conveyancing across England and Wales.
  • Walter Saunders, 382 Brockley Road, SE4 2BY
  • R & C Property Lawyers Llp, 10A Upper Tooting Road, SW17 7PG

*Source acknowledgement: House price data produced by Land Registry as well data supplied by Lexsure Ltd.

© Crown copyright material is reproduced with the permission of Land Registry under delegated authority from the Controller of HMSO.