Do banks and building societies provide you with an approved list of Epping conveyancing solicitors? How do you know who is on the Santander conveyancing panel?
Epping conveyancing firms themselves provide us confirmation that they are on the Santander conveyancing panel as opposed to being supplied with a list from Santander directly.
I have an AIP. The lender mentioned the mortgage came with free conveyancing. Is the implication that I have to instruct their panel conveyancer as I would much rather instruct a Epping based conveyancing firm?
Do check but the chances are that appoint one of their panel lawyers should you take up the "fee-free" incentive. Call the mortgage company and explore if they make available a cash alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor in Epping.
Do I need to pay for insurance to cover chancel repairs when acquiring a property in Epping?
Unless a prior acquisition of the property took place post 12 October 2013 you can expect conveyancing practitioners carrying out conveyancing in Epping to remain encouraging a chancel search and or insurance against a claim.
Me and my brother own a 4 bedroom Victorian house in Epping. Conveyancing solicitor represented me and Alliance & Leicester . I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, the second leasehold under the exact same address. Is it worth asking Alliance & Leicester to clarify?
You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Epping and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the situation with your conveyancing practitioner who conducted the conveyancing.
Over the last few months I have been searching for a leasehold apartment up to £195,000 and identified one near me in Epping I like with amenity areas and station nearby, however it only has 52 years unexpired on the lease. I can't really find anything else in Epping suitable, so just wondered if I would be making a grave error purchasing a lease with such few years left?
Should you require a home loan the remaining unexpired lease term will likely be problematic. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for at least 2 years you may ask them to commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this matter.
How do I find out who is the owner of a property in Epping?
Assuming that the property is registered with the Land Registry, and you have enough information of the address of the property, you will be able to see results from the the Land Registry of the registered proprietor for a a minimal charge.