I am currently in the process of buying my council flat in Maldon. I have a mortgage offer with Co-operative. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Co-operative, you will need to appoint a solicitor on the Co-operative conveyancing panel.
I am selling my house. I had a double glazing fitted in April 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Leeds Building Society are being problematic. The Maldon solicitor who is on the Leeds Building Society conveyancing panel is recommending indemnity insurance as a solution but Leeds Building Society are insisting on a building regulation certificate. Why do Leeds Building Society have a conveyancing panel if they don't accept advice from them?
It is probably the case that Leeds Building Society have referred the matter to their valuer. The reason why Leeds Building Society may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
After what feels like an age I have had an offer on an apartment in Maldon agreed to, the owners do nevertheless have a dependent purchase. The sellers have put an offer on a flat, however it’s not been accepted yet, and are looking at other flats in the pipeline. I have selected a nearby conveyancing solicitor in Maldon. What do I do now? At what stage do I apply for the mortgage with RBS?
It is understandable to have concerns where there is a chain as you are unlikely to want to incur costs prematurely (mortgage application is in the region of one thousand pounds, then survey, Maldon conveyancing search costs, etc). The first thing to do is check that your property lawyer is on the RBS approved list. Concerning the subsequent phase this very much dictated by the specifics of your case, motivation for the property and on the state of the market. In a hot market many buyers will apply for a home loan with RBS and arrange for the valuation and only if it comes back ok would they ask their conveyancing practitioner to move forward with the conveyancing in Maldon.
It has been 2 months following my purchase conveyancing in Maldon concluded. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £180,000. 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 premises 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.
The estate agent has sent us the confirmation of our purchase of a new build flat in Maldon. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here is a sample of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Maldon
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There must be mutual enforceability of lessee’s covenants. Please confirm the Lease plans are surveyor prepared. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.
Is it simple use your search tool to find a conveyancing lawyer in Maldon on the authorised to act for my mortgage?
Step one is to select a mortgage company such as HSBC Bank, Coventry Building Society or Platform Home Loans Ltd then choose your preferred area a common one being Maldon. Conveyancing practices in Maldon and beyond should be identified.
I am using a search engine for the phrase on line conveyancing in Maldon it shows results of many property lawyersin the area. With so much choice what is the best way to find the suitable conveyancing solicitor for my move?
The ideal way of choosing a suitable conveyancer is via trusted recommendation, so enquire of colleagues and relatives who have bought a property in Maldon or the local estate agent or financial adviser. Costs for conveyancing in Maldon vary, so it's sensible to request at least four estimates from varying types of solicitors. Make sure that you clarify that the fees are fixed.
Finally our conveyancing in Maldon completes next Friday, however the vendors I am purchasing from has asked to move out on the Saturday at 2pm. Can I accept such a plan?
You can't complete on a Saturday due to the bank systems aren't operational.