My partner and I are buying our first home. Our conveyancer has contact usto check if we wish to order extra conveyancing searches. We are really unsure what's appropriate for conveyancing in Pitsea
The type of Pitsea conveyancing searches depends primarily on the premises, the location, the likelihood of any of these risks, your familiarity of the region and risks, your overall attitude to risk. What matters is that you adequately appreciate what information each search could supply. You may then decide if you personally think you need that search. If unclear, ask your lawyer to explain.
I purchased a freehold residence in Pitsea but nevertheless invoiced for rent, why is this and what is this?
It is rare for properties in Pitsea and has limited impact for conveyancing in Pitsea but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the generation of fresh rentcharges from 1977 onwards.
Previous rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 will be extinguished.
I am buying a semi-detached house in Pitsea. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Pitsea you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Pitsea.
I am assisting my niece sell her flat in Pitsea. Does the conveyancing solicitor arrange an EPC or it is for me to coordinate?
After the abolition of HIPs, energy performance certificates became a compulsory component of moving property. An energy assessment must be to hand before the property is marketed. It is not a task that lawyers normally arrange. If you are using a Pitsea conveyancing practitioner they may help arrange energy assessments given their relationships with reputable local providers
I have a mortgage with Nottingham for my property in Pitsea. Conveyancing has been completed 12 months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Nottingham?
Nottingham must be informed of your intention in advance of letting out your property as this is likely to be a breach of Nottingham’s mortgage conditions. It may be that Nottingham will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Nottingham directly. You need not do this via a Nottingham conveyancing panel solicitor.
Completion of my remortgage has taken place for my property in Pitsea. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Me and my brother purchased a semi-detached Edwardian house in Pitsea. Conveyancing solicitor acted for me and Virgin Money. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold under the matching address. Is it worth asking Virgin Money to clarify?
You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Pitsea and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with your conveyancing solicitor who conducted the purchase.
As co-executor for the estate of my grandmother I am selling a house in Swansea but live in Pitsea. My solicitor (based 235 kilometers from meneeds me to sign a stat dec ahead of completion. Can you recommend a conveyancing lawyer in Pitsea to witness and place their company stamp on the document?
Technically speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will do regardless of whether they are Pitsea based