I am buying a house and require a conveyancing solicitor in Hornchurch who is on the Skipton Building Society approved. Could you point me in the right direction as regards a firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Skipton Building Society in certain locations such as Hornchurch. We dont recommend any particular firm.
I am helping my sister sell her house in Hornchurch. Will the conveyancing solicitor arrange an energy performance certificate or do I organise this?
After the demise of HIPs, energy performance certificates was retained a compulsory part of moving property. An EPC should be commissioned in advance of the property being marketed. It is not something that conveyancers ordinarily organise. If you are instructing a Hornchurch conveyancing practitioner they might help arrange energy performance certificates given their contacts with long established Hornchurch providers
The mortgage over my property is with Skipton for my property in Hornchurch. Conveyancing was finalised months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Skipton?
You must advise Skipton before letting out your property as this is likely to be a breach of Skipton’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 Skipton directly. You need not do this via a Skipton conveyancing panel lawyer.
After what feels like an age I have had an offer on a maisonette in Hornchurch agreed to, the sellers do however have a tied purchase. The owners have placed an offer on a flat, however it’s not yet tied up, and have viewings of other apartments in the pipeline. I have selected a high street conveyancing solicitor in Hornchurch. What do I do now? When should I get the mortgage application with RBS going?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is in the region of one thousand pounds, then survey, Hornchurch conveyancing search charges, etc). The first thing to do is ensure that your lawyer is on the RBS conveyancing panel. Concerning the subsequent steps this very much depends on the circumstances of your transaction, desire for the property and on the state of the market. In a buoyant market some home buyers would apply for the mortgage with RBS and arrange for the valuation and only if it was satisfactory would they request their solicitor to press on with searches.
The deeds to my home can not be found. The solicitors who conducted the conveyancing in Hornchurch 4 years ago are no longer around. Will I be able to sell the house?
You no longer need to have the physical deeds to prove you are the owner of your registered land or property, given that the Land Registry have everything they need in a digital format.
I am purchasing my first flat in Hornchurch with the aid of help to buy. The sellers would not move on the amount so I negotiated £7000 of fixtures and fittings instead. The property agent suggested that I not to tell my lawyer about this side-deal as it would adversely affect my loan with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
My father has urged me to instruct his conveyancing solicitors in Hornchurch. Do I follow his recommendation?
There are no two ways about it it’s preferable to find a conveyancing lawyer is to seek referrals from friends or family who have used the solicitor that you are contemplating using.
Should one remove a deceased person's name from the title register for a property in Hornchurch?
Where a Hornchurch property is co-owned and one of the owners dies, their name will not immediately be removed from the title deeds. It is not necessary to remove their name as when it comes to a sale your conveyancer would just be required to evidence as to the reason the joint owner is missing from the contract, normally this is in the form of a grant of probate.
With the aim of making the sale conveyancing more straight forward for the sale of the property you can apply to have the deceased person erased from the title by submitting an application to the land registry with proof of the death. There is no land registry fee payable.