We are expecting a mortgage offer soon. The bank mentioned the home loan came with free conveyancing. Is the implication that I have to use their panel lawyer as I would prefer to appoint a local conveyancing solicitor in Billericay?
Do check but the the probability is that appoint one of their panel conveyancers if you accept the "fee-free" incentive. Contact the bank to determine if they make available a cash alternative. In the past a few mortgage companies offered a £250 cashback as an alternative in which case that money can go towards your preferred conveyancing solicitor near Billericay.
I am purchasing a 3 bedroom semi in Billericay. We would like to an extension at the rear at the property.Will the conveyancing process include checks to see if these works are allowed?
Your solicitor will review the deeds as conveyancing in Billericay can on occasion identify restrictions in the title deeds which prevent categories of alterations or necessitated the consent of a 3rd party. Some additions need local authority planning permissions and approval in accordance building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these things with a surveyor before you commit yourself to a purchase.
When it comes to lenders such as Virgin Money, do Billericay solicitors have to pay a fee to be on the list of approved solicitors?
We are not aware of any mortgage company fees to be on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
I have a mortgage with Skipton for my property in Billericay. Conveyancing was finalised 12 months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Skipton?
Skipton must be informed of your intention before letting out your property as this is likely to be a breach of Skipton’s mortgage conditions. It may be that Skipton will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Skipton directly. It should not be necessary to do this via a Skipton conveyancing panel firm.
I moved into my home on 12 May and the transaction details is not yet on the land registry website. Need I be worried? My conveyancing solicitor in Billericay said it would be formalised in less than a month. Are transfers in Billericay particularly slow to register?
There is nothing unique when it comes to conveyancing in Billericay registration formalities. Rather than based on location, timescales can differ according to who lodges the application, whether there are errors and if the Land registry must send notices to any 3rd persons or bodies. At present roughly 80% of such applications are fully addressed within 12 days but some can be subject to longer delays. Registration occurs once the purchaser is living at the premises thus registration formalities is not usually an essential issue but where there is a degree of urgency associated with the registration then you or your conveyancer can contact the land registry and explain the circumstances.
Hoping to buy a property located in Billericay and I am already nervous. I couldn't find anything specific about Billericay. Conveyancing will be needed in due course but do you know about the Billericay area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Billericay. In the meantime here are some basic statistics that we found
In my capacity as executor for the estate of my grandfather I am disposing of a house in Swansea but live in Billericay. My lawyer (who is 260 miles from merequires that I execute a stat dec ahead of the transaction finalising. Can you recommend a conveyancing practitioner in Billericay who can witness this legal document for me?
strictly speaking you are not likely to be required to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or solicitor will be fine regardless of whether they are Billericay based
I today plan to offer on a house that seems to be perfect, at a reasonable figure which is making it all the more appealing. I have since found out that the title is leasehold as opposed to freehold. I would have thought that there are issues purchasing a house with a leasehold title in Billericay. Conveyancing advisers have not yet been appointed. Will my lawyers set out the implications of buying a leasehold house in Billericay ?
Most houses in Billericay are freehold rather than leasehold. This is one of the situations where having a local conveyancer used to dealing with such properties who can help the conveyancing process. We note that you are buying in Billericay in which case you should be shopping around for a Billericay conveyancing solicitor and be sure that they have experience in transacting on leasehold houses. First you will need to check the unexpired lease term. Being a lessee you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as requiring the landlord’spermission to conduct changes to the property. You may also be required to pay a maintenance charge towards the maintenance of the communal areas where the property is located on an estate. Your conveyancer should report to you on the legal implications.