Is it necessary during the course of the conveyancing process to pop into the offices of the solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Leigh On Sea so that I can pop in to their offices if required.
As opposed to twenty years ago, almost all lenders no longer oblige their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide identification documents and there are still distinct benefits to instructing a local ayer, in your case a conveyancing solicitor in Leigh On Sea.
Forgive me if this question is silly but I am unexperienced as FTB of a ground floor flat in Leigh On Sea. Do I receive the keys to the premises on completion from my conveyancer? If so, I will find a local conveyancing solicitor in Leigh On Sea?
There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the purchase money to the vendor’s lawyers, and once they have received this, you will be invited to pick up the keys from the selling Agents and start moving into the property. Usually this happens between 1 and 3pm.
We are purchasing a end of terrace house in Leigh On Sea. We would like to carry out a loft conversion at the house.Will the conveyancing process include checks to ascertain if these works are permitted?
Your solicitor will check the registered title as conveyancing in Leigh On Sea will on occasion reveal restrictions in the title deeds which restrict certain works or necessitated the consent of another owner. Certain works need local authority planning permissions and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.
I have paid off my mortgage with Bank of Ireland. I assume I don't need a Leigh On Sea property lawyer on the Bank of Ireland panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Bank of Ireland mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Bank of Ireland mortgage from the register. Bank of Ireland, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Bank of Ireland has sent the Land Registry the discharge electronically, and
- Bank of Ireland has instructed the Land Registry to do so
It has been 3 months since my purchase conveyancing in Leigh On Sea took place. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I opted to have a survey carried out on a house in Leigh On Sea prior to instructing lawyers. I have been informed that there is a flying freehold element to the house. Our surveyor advised that some mortgage companies will refuse to issue a mortgage on such a property.
It varies from the lender to lender. Lloyds has different requirements from Halifax. If you e-mail us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Leigh On Sea. Conveyancing may be slightly more expensive based on your lender's requirements.
How easy is it to use the search tool to get a costs illustration from a conveyancing lawyer in Leigh On Sea on the panel for my lender?
1st select a bank such as Nationwide Building Society, The Mortgage Works or Platform Home Loans Ltd then choose your preferred area a common one being Leigh On Sea. Conveyancing practices in Leigh On Sea and nationally should be identified.
Are all Leigh On Sea conveyancers on every bank conveyancing panel?
The Lexsure search tool on this page may be of use or you can drop into your local bank branch in Leigh On Sea. the probability is that they will be in a position to recommend some approved conveyancing solicitors in Leigh On Sea