The Ardleigh Green conveyancing firm handling our Ardleigh Green conveyancing has identified an inconsistency when comparing the surveyor’s assumptions in the home valuation survey and what is in the conveyancing documents. My lawyer informs me that he must ensure that the lender is OK with this discrepancy and is still content to lend. Is my solicitor’s approach legitimate?
Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook requirements which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
As someone unfamiliar with conveyancing in Ardleigh Green what’s your top tip you can impart for the ownership transfer in Ardleigh Green
Not many law firms shout this from the rooftops but conveyancing in Ardleigh Green and elsewhere in London is an adversarial experience. In other words, when it comes to conveyancing there is plenty of room for friction between you and other parties involved in the transaction. E.g., the seller, property agent and on occasion a lender. Selecting a law firm for your conveyancing in Ardleigh Green an important selection as your conveyancer is your adviser, and is the SOLE party in the process whose responsibility is to look after your best interests and to keep you safe.
Sometimes a potential adversary will try and persuade you that it is in your interests to do things their way. For instance, the selling agent may claim to be assisting by suggesting your conveyancer is slow. Or your financial adviser may try to convince you to do something that is against your lawyers advice. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
I am expecting a AIP from HSBC this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do HSBC recommend any Ardleigh Green solicitors on the HSBC conveyancing panel, or is it better to go independently?
You will need to appoint Ardleigh Green solicitors independently although you'll need to choose one on the HSBC conveyancing panel. The solicitor represents both you and HSBC through the process.
I have today made my last payment due on my mortgage with TSB. I assume I don't need a Ardleigh Green conveyancer on the TSB panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your TSB 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 TSB mortgage from the register. TSB, 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 TSB has sent the Land Registry the discharge electronically, and
- TSB has instructed the Land Registry to do so
I have decided to exercise my right to buy my property in Ardleigh Green off the council. I have a mortgage offer with Nottingham. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Nottingham, you will need to appoint a solicitor on the Nottingham conveyancing panel.
My wife and I are close to exchanging contracts on the sale of our home in Ardleigh Green and according to the buyers it appears that there is a risk of it being constructed land that was not decontaminated. Any high street Ardleigh Green conveyancer would know that there is no such problem. For the life of me I don't know why the purchasers used a nationwide conveyancing firm rather than a conveyancing solicitor in Ardleigh Green. We have lived in Ardleigh Green for 4 years we know of no issue. Is it a good idea to contact our local Authority to get confirmation that the buyers are looking for.
It would appear that you have a conveyancing solicitor currently acting for you. What do they say? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
Me and my brother own a terraced Georgian house in Ardleigh Green. Conveyancing lawyer acted for me and Coventry Building Society. I did a free Land Registry search last week and I saw two entries: one for freehold, the second leasehold under the exact same property. I thought I was buying a freehold how can I check?
You need to assess 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 Ardleigh Green and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with the conveyancing lawyer who conducted the conveyancing.
How does conveyancing in Ardleigh Green differ for new build properties?
Most buyers of new build or newly converted property in Ardleigh Green come to us having been asked by the builder to exchange contracts and commit to the purchase even before the house is built. This is because developers in Ardleigh Green tend to buy 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 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 Ardleigh Green or who has acted in the same development.