Find a Lender-Approved Local Conveyancer in Ingatestone

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Main reasons to let us assist you select a high street conveyancing solicitor in Ingatestone

  • 1 The hallmark of our conveyancing solicitors in Ingatestone is quality not quantity. The level of service offered by conveyancing "factories" (sometimes 'recommended' by large estate agency chains) often falls short of the level of professionalism you will expect.
  • 2 The organisations identified on our web pages have a variation of conveyancing solicitors, legal executives and support staff handling over one hundred thousand cases annually.
  • 3 We are the UKs most comprehensive residential conveyancing directory listing mortgage company approved law firms conducting conveyancing in Ingatestone regulated by the SRA or CLC.
  • 4 Cut price packages from online conveyancers might be tempting. However, these firms are often based many kilometers away with little understanding of the factors that impact property transactions in Ingatestone
  • 5 Regardless alternative lawyers inform you it just might be important to attend your lawyer to sign documents. There are enough parties involved in a homemove without having to include Royal Mail into the mix.

Examples of recent conveyancing in Ingatestone since February 2022*

Recently asked questions about conveyancing in Ingatestone

I am about to put an offer on a leasehold apartment in Ingatestone. The selling agents assure me that it is usual for flats in Ingatestone to have less than 75 years unexpired on the lease. I am obtaining a mortgage with The Mortgage Works. Is this going to be a problem if the lease has 72 years unexpired.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 15/5/2022 the requirements read as follows :

Minimum unexpired lease term is 70 years with 30 years remaining at the end of the mortgage term.
Where the unexpired lease term is different to that recorded on the mortgage offer, the following clarifies if we need to be informed:

Second hand property:
- If the unexpired lease term on the offer is 85 years or more - only advise us if the actual lease term is less than 85 years
- if the unexpired lease term on the offer is less than 85 years – advise us if the actual lease term is different than reported
- For equity share applications - advise us if the actual lease term is different than reported on the offer

New build property:
- If the unexpired lease term stated on the offer is 125 years (flat) / 250 years (house) or more - only advise us if the actual lease term is less than 125 years (flat) / 250 years (house)
- For equity share applications - always advise us if the actual lease term is different than reported on the offer

Lease terms such as ground rent and event fees must be reasonable at all times during the term of the lease and adhere to our requirements below. If you’re unsure as to whether the terms of a lease are unreasonable or onerous, please refer the details to us in plain English for Valuer consideration. If the potentially onerous terms are in relation to the ground rent please include the current ground rent figure per annum, how often it will be reviewed and the price structure it will be reviewed against. See the guidance below.

SECOND HAND PROPERTIES

Unacceptable - advise Originations (Will be declined):
- Unexpired lease term less than 70 years
- Less than 30 years remaining at the end of the mortgage term
- Ground Rent greater than 0.5% of the property value
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI
- Ground Rent review period less than or equal to 5 years

Refer to Originations (Valuer will consider any impact on valuation figure and marketability):
- Unexpired lease term is 70 to 85 years
- Ground Rent greater than 0.1% and less than or equal to 0.5% of the property value
- Ground Rent escalation is linked to any indices greater than RPI
- Ground Rent escalation is linked to the value of the building*
- Ground Rent review period is greater than 5 and less than 10 years
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything that appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Originations):
- Unexpired lease term greater than 85 years
- Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than or equal to 10 years
- Ground Rent escalation less than or equal to RPI

NEW BUILD PROPERTIES (includes office conversions)

Unacceptable - advise Originations (Will be declined):
- Unexpired lease term less than 125 years on a new build flat or less than 250 years on a new build house
- Starting Ground Rent greater than 0.1% of the property value
- Ground Rent review period less than or equal to 5 years
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI

Refer to Originations (Valuer will consider any impact on valuation figure and marketability):
- Ground Rent is linked to any indices greater than RPI
- Ground Rent is linked to the value of the building*
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything else appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Originations):
- Unexpired lease term greater than or equal to 125 years on a new build flat or greater than or equal to 250 years on a new build house
- Starting Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than 5 years
- Ground Rent escalation less than or equal to RPI

* Where the Ground Rent escalation is linked to the value of the building, please provide the following:
- How is the value of the block/unit currently calculated and if the assessment relates to the block(s), how is the Ground Rent calculated/apportioned per property?
- The current valuation and Ground Rent for each unit
- What is the mechanism for future valuations of the block and how is the Ground Rent calculated/apportioned?
- What is the right of appeal? And is this a documented process within the lease?
- Who bears the cost of the valuation (and appeal) process?
- Confirmation the review period is not less than twenty years

I have been told that property searches are the number one cause of delay in Ingatestone house deals. Is that correct?

The Council of Property Search Organisations (CoPSO) has noted the conclusions of a review by MoveWithUs that conveyancing searches do not figure within the common causes of hindrances during the legal transfer of property. Searches are not likely to feature in any slowing down conveyancing in Ingatestone.

Due to the input of my in-laws I had a survey completed on a house in Ingatestone prior to appointing conveyancers. I have been advised that there is a flying freehold aspect to the house. My surveyor has said that some lenders may refuse to give a mortgage on this type of property.

It varies from the lender to lender. Lloyds has different requirements from Birmingham Midshires. Should you wish to telephone us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Ingatestone. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Ingatestone to see if the conveyancing costs will increase in light of this.

How simple is it to transfer to a new conveyancer as I have to choose a firm on the Chelsea Building Society conveyancing panel. I hired a local conveyancing solicitor in Ingatestone round the corner but he is not approved by Chelsea Building Society

We will our best to assist in finding you a conveyancing solicitor in Ingatestone on the Chelsea Building Society panel. Please note that the property lawyers that we on the directory do not pay us a referral fee if you instruct them and are regulated by the SRA who regulate all conveyancing solicitors in Ingatestone. In utilising the find a conveyancing solicitor tool on this page, you can scrutinise fees for conveyancing solicitors in Ingatestone and throughout England and Wales.

We're FTB’s - had an offer accepted, but the estate agent advised that the seller will only proceed if we instruct the agent's preferred conveyancers as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a high street conveyancer with experience of conveyancing in Ingatestone

It is highly unlikely the vendors are behind this. Should the owner desire ‘a quick sale', turning down a motivated buyer is likely to cause more damage than good. Speak to the owners direct and make sure they understand (a)you are motivated purchasers (b)you are ready to go, with mortgage lined up © you have nothing to sell (d) you intend to proceed fast (e)however you intend to appoint your own,trusted Ingatestone conveyancing lawyers - not the ones that will earn the negotiator at the agency a kickback or achieve conveyancing thresholds demanded by senior management.

Living abroad I am unable to visit my Ingatestone conveyancing lawyers office to sign documents for conveyancing in Ingatestone – will this be problematic?

Not a problem. Ingatestone conveyancing solicitors can deal with conveyancing transactions for clients from a distance. It is not necessary for you to be able to meet your lawyer in the flesh at a Ingatestone conveyancers office. They can deal with everything via post, email, telephone and fax.

Last updated

Sample of conveyancing solicitors in Ingatestone regulated by the SRA

It is important to note that the listed firms do not limit their work for conveyancing in Ingatestone but also conveyancing throughout England and Wales.

  • Browns Solicitors (essex) Ltd, Church House, 46 High Street, Billericay, Essex, CM12 9BS
  • Marks Miller & Co, 92b High Street, Billericay, Essex, CM12 9BT
  • Roger Green & Co Solicitors, 100 High Street, Billericay, Essex, CM12 9BY
  • Rainer Hughes, Oak House, 46 Crossways, Shenfield, Essex, CM15 8QY
  • Pwp Solicitors, Cloville Hall, Ship Road, West Hanningfield, Chelmsford, Essex, CM2 8XA

Residential Licensed Conveyancers in Ingatestone regulated by the CLC

Please be aware that the listed conveyancers do not limit their work for conveyancing in Ingatestone but also conveyancing across England and Wales.
  • Legal Business Property Lawyers Ltd, 16 St Thomas Road, CM14 4DB
  • New Homes Law Ltd, 61 New London Road, CM2 0ND
  • Dyer And Crowe Limited, 22 Duke Street, CM1 1HL

Planning law solicitors in Ingatestone regulated by the Solicitors Regulation Authority

The firms listed below are a non-comprehensive list of solicitors in Ingatestone with expertise in planning law. The solicitors can give expert legal advice on all aspects of planning, including applications about listed buildings and conservation areas
  • Dadds Llp, 51 High Street, Billericay, Essex, CM12 9AX
  • Gepp & Sons Solicitors Llp, 58 New London Road, Chelmsford, Essex, CM2 0PA
  • Hill & Abbott Limited, Threadneedle House, 9/10 Market Road, Chelmsford, Essex, CM1 1XH

Neighboring Locations

Chelmsford
Writtle
Ingatestone
Brentwood
Shenfield
Little Burstead
Billericay

*Source acknowledgement: House price data produced by Land Registry as well data supplied by Lexsure Ltd.

© Crown copyright material is reproduced with the permission of Land Registry under delegated authority from the Controller of HMSO.