I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Great Baddow. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 31/7/2026, the requirements read as follows :
I have today made my last payment due on my mortgage with Leeds Building Society. I assume I don't need a Great Baddow conveyancing practitioner on the Leeds Building Society panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Leeds Building Society mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Leeds Building Society mortgage from the register. Leeds Building Society, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Leeds Building Society has sent the Land Registry the discharge electronically, and
- Leeds Building Society has instructed the Land Registry to do so
I am selling my flat. I had a double glazing fitted in December 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Barclays are being difficult. The Great Baddow solicitor who is on the Barclays conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Barclays are requiring a building regulation certificate. Why do Barclays have a conveyancing panel if they don't accept advice from them?
It is probably the case that Barclays have referred the matter to their valuer. The reason why Barclays may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
RBS have agreed my mortgage in principle, my offer on a flat in Great Baddow has been agreed to, now what?
The property agent will want to be informed of your conveyancer's details (ensure that the lawyers are on the lender’s panel). Contact RBS or the financial adviser and finish off any outstanding paperwork. RBS will sellect a valuer who will get in contact with the estate agent or vendor to arrange an appointment. Once carried out (assuming no problems) it takes about a week for the mortgage offer to be issued. RBS will send the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Great Baddow.
It has been three months following my purchase conveyancing in Great Baddow concluded. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
How does conveyancing in Great Baddow differ for new build properties?
Most buyers of new build residence in Great Baddow contact us having been asked by the seller to exchange contracts and commit to the purchase even before the residence is constructed. This is because house builders in Great Baddow usually buy the land, 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 property lawyers 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 accustomed to new build conveyancing in Great Baddow or who has acted in the same development.
Do you have any advice for leasehold conveyancing in Great Baddow from the perspective of saving time on the sale process?
- Much of the delay in leasehold conveyancing in Great Baddow can be reduced where you get in touch lawyers the minute you market your property and ask them to collate the leasehold information needed by the purchasers’ conveyancers. Some Great Baddow leases require Licence to Assign from the landlord. If this applies to your lease, you should place the estate agents on notice to make sure that the purchasers put in hand bank and professional references. The bank reference should make it clear that the buyer is financially capable of paying the yearly service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the actual amount of the service charge so that they can pass this information on to the purchasers or their lawyers. You may think that you are aware of the number of years left on your lease but you should verify this via your solicitors. A purchaser's conveyancer will be unlikely to recommend their client to to exchange contracts if the lease term is under 75 years. It is therefore important at an as soon as possible that you consider whether the lease term for your property needs extending. If it does, contact your solicitors before you put your home on the market for sale. If you have the benefit of shareholding in the Management Company, you should ensure that you are holding the original share certificate. Obtaining a duplicate share certificate is often a time consuming process and frustrates many a Great Baddow home move. Where a new share certificate is needed, do contact the company director and secretary or managing agents (where applicable) for this sooner rather than later. In the event that you altered the property did you need the Landlord’s consent? In particular have you laid down wooden flooring? Most leases in Great Baddow state that internal structural changes or laying down wooden flooring require a licence from the Landlord approving such works. If you fail to have the approvals in place you should not contact the landlord without contacting your solicitor before hand.
Great Baddow Conveyancing for Leasehold Flats - Sample of Queries Prior to buying
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How many of the leaseholders are in arrears for their maintenance charge payments? On the whole the cost for major works tend not to be included within service charges, albeit that there some managing agents in Great Baddow ask tenants to pay into a reserve fund and this is used to offset against major works. Many Great Baddow leasehold apartments will have a service charge for maintenance of the block levied by the management company. Where you acquire the apartment you will have to meet this liability, usually periodically accross the year. This can differ from several hundred pounds to thousands of pounds for large purpose-built buildings. In all probability there will be a ground rent for you to pay yearly, this is usually not a exorbitant sum, say around £50-£100 but you need to check it because on occasion it can be prohibitively expensive.
My lawyers in Great Baddow have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with the mortgage company. Is it case that being on the bank conveyancing panel they need to have retained the file for a number of years?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the bank Conveyancing Panel Terms. It might be worth you contacting the bank directly.