I am obtaining a mortgage offer from Halifax. I would like to instruct a Licensed Conveyancer in Gerrards Cross and Chalfont. Does the Halifax Solicitor panel allow for Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
IfI was to purchase a straightforward housein Gerrards Cross and Chalfont mortgage fee and dispense with a survey and no conveyancing searches how much could I expect to to save on my conveyancing in Gerrards Cross and Chalfont?
The sole reduction in fees you would make on is the Gerrards Cross and Chalfont conveyancing searches. The conveyancing practitioner is required to do the vast majority of work - money laundering, correspond with your vendors conveyancer, SDLT submission, register the ownership etc. A marginal saving might be made by not needing to register a charge but it won't be meaningful.
What does a local search inform me concerning the property I am buying in Gerrards Cross and Chalfont?
Gerrards Cross and Chalfont conveyancing often commences with the ordering local authority searches directly from your local Authority or via a personal search company for instance Searchflow The local search plays a central role in most Gerrards Cross and Chalfont conveyancing purchase; as long as you don’t want any nasty surprises after you move into your new home. The search should reveal data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.
Despite weeks of looking the Title Certificate and documents to my property can not be found. The lawyers who did the conveyancing in Gerrards Cross and Chalfont 10 years ago have long since closed. What are my next steps?
In today’s world there are copies made of almost everything, and your solicitor will know precisely where to look for all the appropriate paperwork so you can purchase or sell your house without a hitch. If copies can’t be found, your lawyer can put in place insurance or indemnities protecting you against future claims on the premises.
How does conveyancing in Gerrards Cross and Chalfont differ for newly converted properties?
Most buyers of new build property in Gerrards Cross and Chalfont approach us having been asked by the builder to exchange contracts and commit to the purchase even before the property is built. This is because house builders in Gerrards Cross and Chalfont usually purchase the real estate, 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 Gerrards Cross and Chalfont or who has acted in the same development.
I decided to have a survey done on a property in Gerrards Cross and Chalfont ahead of instructing conveyancers. I have been informed that there is a flying freehold aspect to the property. The surveyor has said that some lenders will refuse to give a mortgage on such a home.
It varies from the lender to lender. Bank of Scotland has different instructions from Halifax. Should you wish to call us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Gerrards Cross and Chalfont. Conveyancing may be slightly more expensive based on your lender's requirements.