Me and my fiance are acquiring a ground floor flat in Harwich. My property lawyer is not listed on the lender conveyancing list. Is it possible for me to continue with my Harwich conveyancing solicitor notwithstanding that they are not on the lender panel?
Various options include
- Carry on with your chosen Harwich solicitor but your bank will need to use a solicitor on their conveyancing panel. This will result in additional cost together with potential frustration.
- Choose a fresh solicitor to act in the purchase, ensuring that they are on the lender conveyancing panel.
- Appeal to your solicitor to attempt to join the bank panel
Will our solicitor be raising enquiries concerning flooding as part of the conveyancing in Harwich.
The risk of flooding is if increasing concern for lawyers dealing with homes in Harwich. There are those who acquire a house in Harwich, fully aware that at some time, it may suffer from flooding. However, aside from the physical destruction, if a house is at risk of flooding, it may be difficult to obtain a mortgage, adequate insurance cover, or sell the property. There are steps that can be taken during the course of a property purchase to forewarn the buyer.
Conveyancers are not best placed to give advice on flood risk, but there are a number of searches that may be initiated by the purchaser or on a buyer’s behalf which can give them a better understanding of the risks in Harwich. The conventional set of completed inquiry forms supplied to a purchaser’s conveyancer (where the Conveyancing Protocol is adopted) incorporates a standard inquiry of the vendor to find out whether the premises has ever been flooded. In the event that the residence has been flooded in past and is not revealed by the owner, then a purchaser may commence a claim for damages as a result of such an inaccurate response. A buyer’s lawyers should also order an enviro report. This should disclose whether there is any known flood risk. If so, additional inquiries will need to be initiated.
I got the keys to my apartment on 14 March and my personal details is not yet registered. Should I be concerned? My conveyancing solicitor in Harwich said it will be formalised in a couple of weeks. Are properties in Harwich particularly slow to register?
There is nothing unique when it comes to conveyancing in Harwich registration formalities. As opposed to being determined by geographic area, timescales can vary according to the party submitting the application, whether it is in order and whether the Land registry have to notify any interested persons or bodies. Currently roughly 80% of such applications are completed in less than three weeks but occasionally there can be extensive delays. Registration occurs once the buyer is living at the property so 'speed' is not usually primary concern but if it is urgent that the the registration takes place urgently then you or your lawyers must communicate with the Registry to express the reasoning for the application to be prioritised.
How does conveyancing in Harwich differ for new build properties?
Most buyers of new build residence in Harwich approach us having been asked by the builder to exchange contracts and commit to the purchase even before the house is built. This is because developers in Harwich tend to buy the site, 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 conveyancers 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 Harwich or who has acted in the same development.
I've recently found out that there is a flying freehold element on a property I have offered on a fortnight ago in what should have been a simple, chain free conveyancing. Harwich is the location of the property. Can you offer any opinion?
Flying freeholds in Harwich are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Harwich you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Harwich may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
In my capacity as executor for the will of my grandmother I am selling a house in Cardiff but I am based in Harwich. My solicitor (who is 260 kilometers from merequires that I execute a statutory declaration prior to the transaction finalising. Can you recommend a conveyancing lawyer in Harwich who can attest this legal document for me?
Technically speaking you should not be required to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or solicitor will do regardless of whether they are Harwich based