I am planning to acquire a flat and require a conveyancing solicitor in South Hornchurch who is on the National Westminster Bank solicitor. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for National Westminster Bank in certain locations such as South Hornchurch. We dont recommend any particular firm.
I'm the sole beneficiary of my late grandmother’s estate and I have everything in my name alone, including the my former home in South Hornchurch. The South Hornchurch property was put into my name in January. I want to move. I do know about the CML six month 'rule', which means that my property ownership may be considered the same way as if I'd bought the house in January. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook requires solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be affected by that. How sensible a view lenders take of it, depend on the bank as this obligation is primarily there to pick up on subsales or the flipping of property.
Is it correct that all South Hornchurch CQS (Conveyancing Quality Scheme) solicitors are on the Virgin Money conveyancing list of approved solicitors?
Some major lenders now utilise the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. CQS membership however gives no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
I have today made my last payment due on my mortgage with UBS. I assume I don't need a South Hornchurch conveyancer on the UBS panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your UBS 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 UBS mortgage from the register. UBS, 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 UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
Despite weeks of looking the Title Certificate and documents to our house can not be found. The conveyancers who did the conveyancing in South Hornchurch 5 years ago are no longer around. What are my options?
Assuming the title is registered the information relating to your proprietorship will be recorded by the Land Registry with a Title Number. It is possible to carry out a search at the Land Registry, find your property and secure current copies of the Registered Entries for less than a fiver. If the property is Leasehold then the Land Registry will also normally retain a certified duplicate of the Registered Lease and again, a copy can be obtained for £20 inclusive of VAT.
How does conveyancing in South Hornchurch differ for newly converted properties?
Most buyers of new build premises in South Hornchurch come to us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is finished. This is because new home sellers in South Hornchurch usually purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in South Hornchurch or who has acted in the same development.
Taking into account that I am about to part with over three hundred thousand on 3 bedroom house in South Hornchurch I would like to talk to a conveyancer about myhouse move prior to appointing the firm. Is this something that you can arrange?
Absolutely - we would be pleased to talk to you we do not take any clients on without you first talking to the solicitor who will be doing your conveyancing in South Hornchurch.There is no ‘factory style conveyancing’ - each client is an important person, not a case reference. The law firms that we put you in touch with believe that the figure you are quoted for residential conveyancing in South Hornchurch should be the amount on the final invoice that you end up paying.
I need to find a mortgage company panel solicitor in South Hornchurch. Can you assist?
It is not clear why you need a South Hornchurch panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to the lender to find out which solicitors in South Hornchurch are on their panel . If you do find such a firm in South Hornchurch not listed please direct them to our site to list. After all the cost is only one £1 a month