I sincerely hope you can assist me. My Essex solicitor is assuring me that he has toapply for Essex conveyancing searches stemming from the fact thatthe firm are on the HSBCsolicitor panel. Is this really necessary?
You have limited options available to you. 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 lawyer would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to follow the CML Handbook provisions . Even if you were a cash buyer you would be ill advised not to carry out Essex conveyancing searches.
I need some fast conveyancing in Essex as I am under pressure to complete in less than 3 weeks. A home loan is not required. Is it possible to decline from having conveyancing searches to save fees and time?
If.Given you are not obtaining a home loan you have the choice not to have searches carried out although no law firm would suggest that you don't. With lots of history conveyancing in Essex the following are examples of issues that can appear and therefore affect the marketability of the property: Enforcement Notices, Overdue Charges, Outstanding Grants, Railway Schemes,...
My wife and I purchased a semi-detached Victorian property in Essex. Conveyancing practitioner represented me and Lloyds TSB Bank. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold under the exact same address. I thought I was buying a freehold how can I check?
You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Essex and other areas of 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 lenders. You can also enquire as to the situation with your conveyancing lawyer who conducted the purchase.
Due to the input of my in-laws I had a survey completed on a property in Essex before appointing lawyers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies may refuse to grant a loan on this type of premises.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Essex. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Essex to see if the conveyancing will be more expensive.
I was recommended by a few estate agents in Essex to get a quote from a property lawyer on your site. What’s the financial incentive for Estate Agents to market your services over and above a competitor’s?
We refuse to offer any commission for sending work in our direction. We found it would be just too difficult a fee as members of the public would think, ‘How come the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.
I am looking for a conveyancing lawyer in Essex for my purchase. Is there any facility to review a firm’s complaints history with the profession’s regulator?
Members of the public may read presented Solicitor Regulator Association (SRA) determinations resulting from inquisitions started on or after Jan 2008. Go to Check a solicitor's record. To find details about the period before 1 January 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, dial +44 (0)121 329 6800. The SRA may monitor telephone calls for training requirements.