My mortgage company has recommended a law firm on their panel based in Little Ilford but I would rather use a conveyancing lawyer in Little Ilford or nearer to where I live. Are you able to assist?
Not all Little Ilford conveyancing practitioners are on all lender’s conveyancing panel. Use the above search tool to locate a Little Ilford conveyancing solicitor on the on the lender panel.
My wife and I purchasing a 4 bedroom semi-detached house in Little Ilford. Our aim is to convert the garage to an office at the property.Will legal investigations on the property involve enquiries to determine if these works are allowed?
Your solicitor will review the registered title as conveyancing in Little Ilford can on occasion identify restrictions in the title documents which restrict certain changes or necessitated the permission of another owner. Certain extensions call for local authority planning consent and approval under the building regulations. Some areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.
When it comes to lenders such as Santander, do Little Ilford solicitors incur a fee to be on the list of approved solicitors?
We are not aware of any lender fees to register on their list of approved firms, although some do charge an administration fee to deal with the processing of the conveyancing panel application.
Having read lots of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Little Ilford solicitor - who is on the Bank of Ireland conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your property lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Little Ilford postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Little Ilford.
I am looking for a flat up to £245,000 and found one round the corner in Little Ilford I like with open areas and railway links nearby, the downside is that it's only got 52 years unexpired on the lease. I can't really find anything else in Little Ilford for this price, so just wondered if I would be making a mistake acquiring a lease with such few years left?
Should you need a mortgage the shortness of the lease will likely be problematic. Discount the offer by the expected lease extension will cost if it has not already been discounted. If the current owner has owned the premises for a minimum of twenty four months you can ask them to start the process of the extension and then assign it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should speak to your conveyancing solicitor regarding this.
We're FTB’s - had an offer accepted, but the estate agent informed us that the vendor will only go ahead if we instruct their chosen conveyancers as they are insisting on an ‘expedited deal’. We would rather use a local conveyancer used to conveyancing in Little Ilford
We suspect that the seller is not behind this request. If they want ‘a quick sale', alienating a serious purchaser is not the way to achieve this. Contact the owners directly and make the point that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you have nothing to sell (d) you intend to proceed fast (e)but you intend to use your own,trusted Little Ilford conveyancing lawyers - not the ones that will give their estate agent a commission or hit his conveyancing thresholds set by head office.
I own a leasehold flat in Little Ilford. Conveyancing and Aldermore mortgage went though with no issue. I have received a letter from someone saying they have taken over the reversionary interest in the property. Attached was a ground rent demand for rent dating back to 1994. The conveyancing practitioner in Little Ilford who previously acted has long since retired. Do I pay?
The first thing you should do is contact the Land Registry to be sure that this person is in fact the registered owner of the freehold reversion. You do not need to instruct a Little Ilford conveyancing lawyer to do this as it can be done on-line for £3. You should note that regardless, even if this is the rightful freeholder, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
I have had difficulty in trying to purchase the freehold in Little Ilford. Can this matter be resolved via the Leasehold Valuation Tribunal?
Where there is a absentee freeholder or if there is dispute about the premium for a lease extension, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the First-tier Tribunal (Property Chamber) to arrive at the premium.
An example of a Freehold Enfranchisement matter before the tribunal for a Little Ilford property is 9 Granville Road in June 2014. The tribunal determines the enfranchisement price payable by the applicants for the freehold was £32,548 This case related to 5 flats. The unexpired term was 73.8 years.
Me and my partner are first time buyers just having agreed a price on a property in Little Ilford, and are about to get solicitors lined up. I have used the numerous rating based websites and the fee estimates are from all over the country. Is it critical to have a Little Ilford property lawyer local to your prospective house? I am willing to do all the communicating electronically, but I am thinking at some stage we may need to physically go into the property lawyer's office to sign documents?
The property lawyer does not have to be in Little Ilford, but opting for local means that you have the option to go in if required, by way of example, if a signature is immediately necessary. Also, a Little Ilford solicitor have established relationships with local agents and (if the vendor has instructed a local conveyancing practitioner) with them, which should help smooth the process.