Please could you vouch for a Aldermore sanctioned Harold Wood conveyancing lawyer who can have us moved in within two weeks? Am I best advised to go for a high street Harold Wood firm or an internet firm?
We can recommend some very good Harold Wood conveyancing firms. Another option is to visit the high street in Harold Wood. Go in to some well established law practices and request to see a conveyancing solicitor for a costs illustration. Mention your time frames together with the reasons and get an assurance on speed. Choose the one that genuine.
We wanted to use a property lawyer in Harold Wood for our house purchase. Our broker informed us that our bank Skipton Building Society won't deal with them. Surely this is unfair competition?
A decade ago most banks had a different appetite for risk. Almost all Harold Wood conveyancing firms would have been on many bank panels. The financial services regulator in 2010 conducted a thematic review into mortgage fraud which come to the conclusion: know the conveyancing solicitors dealt with. Consequently, lenders are increasingly seeing more data from law firms relating to their operations and the individuals who work for them as well as establishing certain criteria such a completing on a minimum amount of transactions. Many Harold Wood conveyancing firms that have been excluded from lender panels have a 100% healthy track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Harold Wood is amongst the numerous locations where the lawyers we recommend are are authorised to act for Skipton Building Society.
I am the only recipient of my late mum's estate with all property in now in my sole name, including the house in Harold Wood. Conveyancing formalities meant that the Land Registry date was in March. I want to move. I understand that there is a Mortgage Lenders six month 'rule', which means that my proprietorship will be treated the same way as if I'd bought the property in March. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be impacted by that. many lenders would take a pragmatic view as this obligation is chiefly there to identify the purchase and immediately sell or the wholesaling and assigning of properties.
My husband and I are at the point of looking at flats in Harold Wood and I am now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a mortgage with Principality.
It would be wise to commence your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their contact information on to the selling agent. Given that you are getting a mortgage with Principality, ask your prospective lawyers if they are on the Principality conveyancing panel otherwise they can't do the mortgage legal work.
I had an offer accepted on a house in Harold Wood on 7/3/2025, valuation was booked five days later, received a clean bill of health. Solicitor retained, so all that was missing was my mortgage offer. Having made daily calls to Lloyds and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Lloyds conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.
I have todaydiscovered that Stirling Law have been shut down. They carried out my conveyancing in Harold Wood for a purchase of a leasehold apartment 18 months ago. How can I be sure that the property is in my name in the name of the former proprietor?
The quickest way to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Harold Wood conveyancing specialists.
I am looking for a ground for flat up to £245,000 and identified one round the corner in Harold Wood I like with amenity areas and transport links nearby, however it's only got 52 remaining years left on the lease. I can't really find anything else in Harold Wood for this price, so just wondered if I would be making a grave error purchasing a lease with such few years left?
If you need a mortgage the remaining unexpired lease term will be a potential deal breaker. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for at least twenty four months you could request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer about this.
I purchased a house in Harold Wood last 20/3/2024 and to date it is still not registered with HM Land Registry. It was part of a development site and my conveyancing practitioner told me that it may take twelve months to register. I have spoken with HMLR directly and they say that the initial application was cancelled due to failure to reply to requisitions. What can I do?
Call your solicitor - if you are not getting sensible responses, find out about their firm’s complaints process and escalate your problem to a Complaints Manager. Registrations for Harold Wood conveyancing are not known to be particularly slow.