Is there a reason to appoint a Chigwell conveyancing company when online alternatives are less expensive?
Its a good idea to contrast conveyancing costs in Chigwell and you should seek a reasonable quote but don’t expend your energy sourcing the cheapest Chigwell conveyancer. Locating the right conveyancer can be the difference between a seamless and a stressful house move. You need to ensure that you have expert advice from a trusted lawyer. An e-mail can never replace a phone conversation and can never replicate a one to one meeting. Our partner firms will allocate you a qualified and top rated conveyancing solicitor who can deal with your conveyancing from start to finish, giving the sort of hand holding that you will never get with an online conveyancer. Our lawyers will inform you on headway making sure that you are ensuring that you are updated at regular intervals. Should it ever be necessary to phone the office you will be sure who to ask for and they will endeavour to make sure that you are kept fully informed.
We have agreed to purchase a house in Chigwell. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Virgin Money be concerned?
Given that you are obtaining a mortgage with Virgin Money your lawyer must comply with the formal instructions contained in Section 2 of UK Finance Lenders’ Handbook for Virgin Money. The CML Handbook contains minimum requirements for solar panel roof-space leases, and lawyers are required to report to Virgin Money where a lease does not satisfy these specifications. The conditions relate to the installation of panels on properties countrywide and is not restricted to Chigwell.
I have paid off my mortgage with Yorkshire BS. I assume I don't need a Chigwell property lawyer on the Yorkshire BS panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Yorkshire BS 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 Yorkshire BS mortgage from the register. Yorkshire BS, 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 Yorkshire BS has sent the Land Registry the discharge electronically, and
- Yorkshire BS has instructed the Land Registry to do so
I recently had an offer agreed on an apartment in Chigwell. My mortgage broker recommended their conveyancers. I paid an advanced payment of £175. Shortly after, the lawyer contacted me to say that they were not on the Barclays conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Barclays panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
My friend recommended that if I am buying in Chigwell I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is sometimes quoted for as part of the standard Chigwell conveyancing searches. It is a large report of more than thirty pages, listing and setting out important information about Chigwell around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Chigwell Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Chigwell Education with plans and statistics, Local Amenities and other useful data regarding Chigwell.
Are there restrictive covenants that are commonly picked up during conveyancing in Chigwell?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Chigwell. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How does conveyancing in Chigwell differ for new build properties?
Most buyers of new build or newly converted property in Chigwell come to us having been asked by the seller to sign contracts and commit to the purchase even before the house is ready to move into. This is because developers in Chigwell typically acquire the land, 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 conveyancing solicitors 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 used to new build conveyancing in Chigwell or who has acted in the same development.
We're first time buyers - agreed a price, yet the selling agent has warned us that the seller will only proceed if we use the agent's preferred solicitors as they need a ‘quick sale’. My instinct tells me that we should use a local solicitor used to conveyancing in Chigwell
It is improbable the sellers are driving this. Should the vendor require ‘a quick sale', taking such a hostile approach to a genuine purchaser is going to damage their objectives. Try to communicate with the vendors directly and explain that (a)you are motivated purchasers (b)you are ready to progress, with mortgage lined up © you have nothing to sell (d) you wish to move quickly (e)but you intend to use your own,trusted Chigwell conveyancing firm - not the ones that will provide the estate agent a introducer fee or meet his conveyancing figures pre-set by corporate headquarters.