I plan on purchasing residence in Hornchurch. My Conveyancer has never been on on the mortgage company solicitor list. Can I still appoint my Hornchurch conveyancing solicitor notwithstanding that they are excluded from the bank approved list?
You have a number of options open to you here
- Complete the purchase with your existing Hornchurch lawyer but your bank will need to appoint a conveyancer from their approved panel. This will result in additional charges together with probable delay.
- Appoint a new conveyancing practitioner to conduct the conveyancing, making sure they are on the bank conveyancing panel.
- Convince your conveyancer to attempt to join the mortgage company panel
I am need of leasehold conveyancing for a flat in a fairly new development (seven years built) in Hornchurch. 95% of the appartments are already disposed of. Do I need carry out the local searches as part of conveyancing in Hornchurch?
You are putting yourself at risk in not carrying out Hornchurch conveyancing searches. Without searches you have no clarity over flooding, environmental etc which may mean you walk away due to potential problems down the line. If you are buying mortgage free there is no legal requirement to have them, but we would absolutely advise in no uncertain terms that you have them. If timings and driving down costs are top of your concerns you should discuss with your solicitor about the options such as contingency insurance available to you
A relative suggested that if I am purchasing in Hornchurch I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is usually quoted for as part of the standard Hornchurch conveyancing searches. It is a large report of more than thirty pages, listing and setting out significant information about Hornchurch around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Hornchurch Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful data about Hornchurch.
Due to the guidance of my in-laws I had a survey completed on a house in Hornchurch before appointing lawyers. I have been advised that there is a flying freehold element to the property. The surveyor advised that some banks tend refuse to issue a mortgage on such a property.
It varies from the lender to lender. Lloyds has different requirements from Halifax. If you contact us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Hornchurch. Conveyancing will be smoother if you use a solicitor in Hornchurch especially if they are familiar with such properties in Hornchurch.
I am selling my house. My former conveyancers closed down. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Hornchurch if that affects matters.
Do use our search tool to help you find a solicitor for your conveyancing in Hornchurch. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move goes smoothly.
Am I better off to instruct a Hornchurch conveyancing practitioner who is local to the property I am purchasing? An old friend can conduct the legal formalities but her office is a couple of hundredmiles away.
The primary upside of using a high street Hornchurch conveyancing practice is that you can pop in to execute paperwork, present your ID and apply pressure on them if necessary. Having local Hornchurch know how is a plus. However nothing is more important than finding someone that will pull out all the stops for you. If if people you trust used your friend and in the main were content that should trump using an unknown Hornchurch conveyancing solicitor just because they are local.