My financial adviser has asked me for my Great Baddow solicitor’s panel member for the Nationwide conveyancing panel. How do I discover this. I have e-mailed my local Great Baddow branch but they have not responded to me.
You are best placed to get this information from your Great Baddow property lawyer . Most Great Baddow law firms will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each lender.
Completed the sale of my flat in Great Baddow last December yet the purchaser is whats apping me complaining that his conveyancer is waiting to hear from myconveyancer. What should have happened following completion?
Following your sale your solicitor should deliver the transfer deeds and all supplemental paperwork to the purchaser's conveyancer. If applicable, your lawyer should also evidence that the mortgage has been paid off to the buyers lawyers. There is unlikely to be post completion requirements specific conveyancing in Great Baddow.
Do I need to visit the offices of the solicitor to sign the mortgage deed? If so, I will choose one who does conveyancing in Great Baddow so that I can attend their offices if necessary.
As opposed to 15 years ago, the vast majority lenders no longer require their conveyancing panel lawyer to witness the mortgagors signature. You will still be obliged to hand over identification documents and there are still distinct benefits to using a locally based practitioner, in your case a conveyancing solicitor in Great Baddow.
We were going to get a OIP from HSBC this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do HSBC recommend any Great Baddow solicitors on the HSBC conveyancing panel, or is it better to go independently?
You will need to appoint Great Baddow solicitors independently although you'll need to choose one on the HSBC conveyancing panel. The solicitor represents both you and HSBC through the process.
I have a mortgage with Yorkshire BS for my property in Great Baddow. Conveyancing has been completed a year ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Yorkshire BS?
Your original mortgage agreement with Yorkshire BS will provide that you need their approval before renting your property as this is likely to be a breach of Yorkshire BS’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Yorkshire BS directly. It should not be necessary to do this via a Yorkshire BS conveyancing panel firm.
Lloyds have agreed my home loan in principle, my bid on a apartment in Great Baddow has been accepted, what are the next steps?
The estate agent will need to know who your solicitors are (make sure the solicitors are on the lender’s approved list). Contact Lloyds or your financial adviser and finish off any appropriate forms. Lloyds will appoint a valuer who will get in contact with the estate agent or vendor to arrange an appointment. Once conducted (assuming no problems) it takes approximately a week to get a mortgage offer. Lloyds will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Great Baddow.
I am looking for a ground for flat up to £235,500 and identified one near me in Great Baddow I like with a park and railway links in the vicinity, the downside is that it only has 61 years unexpired on the lease. I can't really find anything else in Great Baddow in this price bracket, so just wondered if I would be making a mistake purchasing a short lease?
Should you need a home loan that many years will be an issue. Discount the offer by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the property for a minimum of twenty four months you could request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing solicitor about this.
In my capacity as executor for the will of my father I am selling a residence in Monmouth but live in Great Baddow. My conveyancer (based 250 miles from mehas requested that I execute a stat dec prior to completion. Could you suggest a conveyancing lawyer in Great Baddow to witness this legal document for me?
strictly speaking you should not need to have the documents witnessed by a conveyancing solicitor. Ordinarily any notary public or qualified solicitor will be fine regardless of whether they are Great Baddow based