It is 10 years ago since I bought my property in Chadwell Heath. Conveyancing solicitors have now been retained on the sale but I can't find the title deeds. Is this a major issue?
You need not be too concerned. First there is a possibility that the deeds will be kept by the mortgage company or they may be archived with the conveyancers who oversaw your purchase. Secondly in all probability the land will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining up to date copy of the land registers. The vast majority of conveyancing in Chadwell Heath involves registered property but in the rare situation where your home is unregistered it adds to the complexity but is resolvable.
I used Action Conveyancing several years past for my conveyancing in Chadwell Heath. I now require my file but the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Chadwell Heath of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am buying a new build house in Chadwell Heath with the aid of help to buy. The builders refused to move on the price so I negotiated 6k of extras instead. The sale representative suggested that I not to tell my conveyancer about the deal as it would put at risk 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.
Due to the guidance of my in-laws I had a survey completed on a house in Chadwell Heath prior to retaining solicitors. I have been told that there is a flying freehold element to the house. Our surveyor has said that some mortgage companies tend refuse to give a mortgage on this type of home.
It varies from the lender to lender. Lloyds has different requirements for example to Nationwide. If you contact us we can look into this further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Chadwell Heath. Conveyancing may be slightly more expensive based on your lender's requirements.
I am selling my home. My former solicitors has retired. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Chadwell Heath if that affects matters.
Do use our search tool to help you find a solicitor for your conveyancing in Chadwell Heath. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs smoothly.
My mortgage broker has suggested using their conveyancing practitioner for my conveyancing in Chadwell Heath - won’t it be better to just instruct them?
It is worth checking if the estate agent is recommending a conveyancer or introducing to a conveyancing practitioner. There are plenty of Chadwell Heath selling agents who recommend two or three Chadwell Heath conveyancing firms purely based on those lawyers offering a great service.