I am selling my home in Harlow. Does my solicitor need to be on the TSB conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the TSB conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently currently.
My wife and I purchased a semi-detached Edwardian property in Harlow. Conveyancing solicitor acted for me and The Royal Bank of Scotland. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?
You need to read 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 Harlow and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the situation with the conveyancing lawyer who completed the work.
How does conveyancing in Harlow differ for newly converted properties?
Most buyers of new build property in Harlow contact us having been asked by the developer to sign contracts and commit to the purchase even before the property is completed. This is because new home sellers in Harlow typically 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 Harlow or who has acted in the same development.
I'm converting the mortgage on my current property to a BTL loan with Clydesdale and intend to use the remaining equity as a deposit on a second property. The location we are talking about is Harlow. Will your conveyancers be able to act for the two lenders and link together the two deals?
Do use our comparison tool on this page to be sure that the conveyancers are on the relevant lender panels. Assuming that they are the conveyancer will be able to simultaneously deal with the two conveyancing matters but you should talk with you conveyancer and make clear your desired outcome and requirements.
We're novice buyers - had an offer accepted, yet the property agent told us that the vendor will only move forward if we use their chosen lawyers as they are insisting on an ‘expedited deal’. We would rather use a family solicitor with experience of conveyancing in Harlow
We suspect that the seller is not behind this ultimatum. If they desire ‘a quick sale', taking such a hostile approach to a genuine buyer is likely to cause more damage than good. Speak to the owners direct and make sure they understand (a)you are genuine purchasers (b)you are excited to move forward, with finances arranged © you have nothing to sell (d) you wish to move quickly (e)however you will continue to appoint your preferred Harlow conveyancing firm - as opposed tothose that will earn the estate agent a commission or achieve conveyancing targets pre-set by HQ.
I am Googling for Harlow competitive conveyancing fees. Can I be assured that all the Harlow firms that are identified on your site are on the lender conveyancing panel?
The solicitor and licensed conveyancing practices on our directory have assured us via an online form that they are on the lender panel and agreed to advise us to take down their listing in the event of removal off of the bank panel. To date we have not been informed by either a lender or a member of the public that the data about a specific Harlow conveyancing solicitor being on the lender conveyancing panel is not accurate.