Having sold my house in Colchester last February yet the purchaser is SMS messaging every few hours complaining that her conveyancer needs to hear from mine. What should my lawyer have done now that I have sold?
Following your disposal your lawyer should deliver the transfer deeds and all of the paperwork to the buyer’s conveyancer. Depending on the transaction, your solicitor should also confirm that the legal charge in favour of the lender has been paid off to the purchasers solicitors. There is unlikely to be post completion requirements just for conveyancing in Colchester.
I am selling my home in Colchester. Does the lawyer have to be required to be on the Aldermore conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Aldermore conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently at the moment.
Forgive me if this question is silly but I am unexperienced as a first time buyer of a ground floor flat in Colchester. Do I receive the keys to the property on the completion date from my solicitor? If this is the case, I will instruct a High Street conveyancing solicitor in Colchester?
On the day of completion you will not be required to go to the conveyancers office in Colchester. Conveyancing lawyers for you will transfer the completion advance to the owner’s conveyancers, and once they have received this, you will be invited to collect the keys from the Estate Agents and start moving into the property. This tends to happen early afternoon.
I happen to be the single recipient of my late mum's will and I have everything in my name now, including the house in Colchester. Conveyancing formalities meant that the Land Registry date was in November. I plan to dispose of the property. I do know about the CML six month 'rule', which means that my property ownership may be treated the same way as though I had purchased the property in November. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be affected by that. How sensible a view banks take of it, depend on the lender as this provision chiefly exists to pick up on subsales or the quick reselling of properties.
We were going to get a DIP from Bank of Ireland this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Colchester solicitors on the Bank of Ireland conveyancing panel, or is it better to go independently?
You will need to appoint Colchester solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
How difficult is it to swap solicitor as I have to select one who is on the HSBC Bank conveyancing list. I had appointed a high street conveyancing solicitor in Colchester five minutes from me but he is not accepted by HSBC Bank
It would be our pleasure to help you select a conveyancing solicitor in Colchester on the HSBC Bank panel. Please note that the conveyancers that we on the directory do not pay us commission if you instruct them and are under regulation of the SRA who oversee all conveyancing solicitors in Colchester. In utilising search facility on this site, you can scrutinise charges for conveyancing solicitors in Colchester and throughout England and Wales.
Back In 2002, I bought a leasehold house in Colchester. Conveyancing and Nationwide Building Society mortgage organised. A letter has just been received from someone saying they have taken over the freehold. Attached was a ground rent demand for rent dating back to 1992. The conveyancing practitioner in Colchester who acted for me is not around. Any advice?
First contact the Land Registry to make sure that this person is indeed the registered owner of the freehold reversion. There is no need to incur the fees of a Colchester conveyancing practitioner to do this as you can do this on the Land Registry website for less than a fiver. You should note that regardless, even if this is the legitimate freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Colchester Conveyancing for Leasehold Flats - Examples of Queries Prior to Purchasing
Is the freehold reversion owned jointly by the leaseholders? How many of the leaseholders are in arrears for their service charge payments? The answer will be helpful as a) areas can cause problems in the block as the common areas may start to deteriorate where maintenance remain unpaid b) if the leaseholders have an issue with the running of the building you will want to know about it
What is the best way to find the right lawyer for my conveyancing in Colchester ?
First ask the people you trust they would would seek assistance from. Option 2 is to search the web for conveyancing in Colchester. Phone a couple or more firms from the list and ask them to send you their conveyancing estimate and discuss your needs with the solicitor who will handle your conveyancing before you make your choice. Third is to make use of our search tool to help you find the right lawyers for you based on your unique requirements including location,speed, complexity and who the proposed mortgage company is.Resist the temptation to appoint lowest cost conveyancing solicitors in Colchester