It has come to my attention via my financial adviser that my Benfleet lawyer is not on the mortgage company Solicitor panel. What can I do to be sure if this is correct?
Your first step should be to call your Benfleet lawyer directly. You lawyer should advise you of the situation. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your lender.
I require expedited conveyancing in Benfleet as I am under an ultimatum to sign on the dotted line within one month. Fortunately I do not need a mortgage. Can I decline from having conveyancing searches to save fees and time?
As you are not obtaining a mortgage you have the choice not to do searches although no conveyancer would recommend that you don't. Drawing on years of experience of conveyancing in Benfleet the following are examples of issues that can be revealed and adversely affect future mortgageability: Refused Planning Applications, Outstanding Fees, Outstanding Grants, Road Schemes,...
I'm purchasing my first flat in Benfleet with a loan from Yorkshire Building Society. The sellers refused to reduce the price so I negotiated 6k of fixtures and fittings instead. The property agent advised me not to tell my lawyer about this deal as it would impact my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Taking into account that I will soon spend hundreds of thousands of pounds on a house in Benfleet I wish to talk to a conveyancer regarding thehouse move prior to giving the go ahead to the firm. Is this something that you can arrange?
This is something that we recommend - we would be delighted to talk to you we do not take any clients on without you first talking to the lawyer who will be doing your property ownership legalities in Benfleet.There is no ‘factory style conveyancing’ - each client is an important person, not a case number. The practices that we put you in touch with believe that the figure you are quoted for your conveyancing in Benfleet should be the amount on the final invoice that you are charged.
I am 18 days into a freehold purchase having been directed to conveyancers by the estate agent to do our conveyancing in Benfleet. We are not happy. Could you you assist me in finding new conveyancers?
They would have to be very bad in order to consider replacing them. Has your mortgage offer been generated? If so you will need to advise them of the new contact details and have the loan are issued to the new lawyers. The conveyancer should be on the mortgage company panel to avoid supplemental expenses and frustration. So that should be your starting point. The search tool should help you find a lender approved lawyer for your home move in Benfleet
My wife and I purchased a leasehold house in Benfleet. Conveyancing and Bank of Scotland mortgage went though with no issue. I have received a letter from someone claiming to own the reversionary interest in the property. It included a demand for arrears of ground rent dating back to 1994. The conveyancing practitioner in Benfleet who acted for me is not around. What should I do?
First make enquiries of the Land Registry to make sure that the individual claiming to own the freehold is in fact the new freeholder. It is not necessary to instruct a Benfleet conveyancing solicitor to do this as you can do this on the Land Registry website for £3. You should note that regardless, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Benfleet Leasehold Conveyancing - Examples of Questions you should consider before buying
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Are any of leasehold owners in arrears of their service charge liability? Who takes charge for maintaining and repairing the block? This information is helpful as a) areas could result in problems in the building as the common areas may begin to deteriorate if repairs are not paid for b) if the leasehold owners have a dispute with the running of the building you will wish to have all the details