Much to our surprise we have been advised by our IFA that my Chelmsford property lawyer is not on the mortgage company Solicitor panel. How can I be certain if this is indeed the case?
The best course of action for you to take is to call your Chelmsford lawyer directly. You lawyer should notify you what has happened. Where they are not on the panel they may recommend you to a Chelmsford conveyancing firm that is on the conveyancing panel for your mortgage company.
Can you help? My Chelmsford conveyancer is informing me me that he has toapply for Chelmsford conveyancing searches asthe firm are on the HSBCconveyancing panel. Do I not have any say here?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with a mortgage company your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your conveyancing practitioner would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the Council of Mortgage Lenders’ Handbook provisions . Even if you were a cash buyer you would be ill advised not to carry out Chelmsford conveyancing searches.
When does exchange of contracts take place for domestic conveyancing in Chelmsford and am I required to attend the lawyers office?
If you are near to one of the conveyancing solicitors in Chelmsford you are invited in to sign contracts. That being said, the law practices we recommend provide countrywide coverage for conveyancing and give just as diligent and professional a job for you when dealing with you by post or email. The signing of the property agreement is not when everything is set in stone. A signed contract simply enables the conveyancer to officially exchange at the appropriate time, which is ordinarily shortly after signing. The procedure is is usually a five minute process, although where an extended "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Chelmsford)to be in the office at the appropriate time.
I am assisting my step-mother sell her house in Chelmsford. Does the conveyancer order an EPC or it is for me to see to?
After the abolition of Home Information Packs, energy assessments became a compulsory part of moving house. An EPC needs to be to hand prior to the property being advertised. It is not something that conveyancers normally arrange. If you are using a Chelmsford conveyancing solicitor they may be able to arrange energy performance certificates due to their contacts with long established local assessors
My fiancee and I are in the process of looking at apartments in Chelmsford and I am about to put in an offer. Should I already have a lawyer in place at this stage? I will be getting a home loan with Skipton.
It would be advisable to instigate your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the estate agent. As you are obtaining a mortgage with Skipton, ask your prospective lawyers if they are on the Skipton conveyancing panel otherwise they can't do the mortgage legal work.
Planning on purchasing a apartment in Chelmsford. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Bank of Ireland conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Chelmsford conveyancing practitioner is on the Bank of Ireland conveyancing panel.
Due to the input of my in-laws I had a survey completed on a property in Chelmsford in advance of appointing conveyancers. I have been informed that there is a flying freehold element to the house. My surveyor advised that some lenders will not grant a loan on a flying freehold house.
It varies from the lender to lender. Santander has different requirements for example to Nationwide. If you e-mail us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Chelmsford. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Chelmsford to see if the conveyancing will be more expensive.
What does commercial conveyancing in Chelmsford cover?
Chelmsford conveyancing for business premises covers a broad array of guidance, offered by regulated 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 commonly, the assignment 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 leases.