I am looking to buy a flat and need a conveyancing solicitor in Southend On Sea who is on the Barclays Direct conveyancing. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Barclays Direct in certain locations such as Southend On Sea. We dont recommend any particular firm.
I currently have a mortgage with Principality for my property in Southend On Sea. Conveyancing has been completed months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Principality?
Principality must be informed of your intention prior to renting your property as this is likely to be a breach of Principality’s mortgage conditions. In many cases banks or building societies will allow you to rent 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 Principality directly. It should not be necessary to do this via a Principality conveyancing panel firm.
I am due to exchange contracts on my apartment. I had a double glazing fitted in January 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Nationwide are being problematic. The Southend On Sea solicitor who is on the Nationwide conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Nationwide are insisting on a building regulation certificate. Why do Nationwide have a conveyancing panel if they don't accept advice from them?
It is probably the case that Nationwide have referred the matter to their valuer. The reason why Nationwide 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.
Virgin Money have agreed my home loan in principle, my offer on a apartment in Southend On Sea has been agreed to, now what?
Your estate agent will want to know who your solicitors are (ensure that the lawyers are on the lender’s panel). Telephone Virgin Money or the financial adviser and finish off any relevant documentation. Virgin Money will instruct a valuer who will get in touch with the estate agent or owners to schedule a time for the valuation to occur. Once carried out (assuming no problems) it takes approximately a week for the mortgage offer to be issued. Virgin Money will send the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Southend On Sea.
About to purchase a new build flat in Southend On Sea. Conveyancing is a frightening process 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.
Set out below is a sample of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Southend On Sea
-
Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Forfeiture - bankruptcy or liquidation must not apply under this provision.
I decided to have a survey done on a house in Southend On Sea ahead of appointing solicitors. I have been informed that there is a flying freehold overhang to the house. Our surveyor has said that some banks tend not grant a mortgage on this type of home.
It varies from the lender to lender. HSBC has different instructions from Nationwide. Should you wish to telephone us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Southend On Sea. Conveyancing will be smoother if you use a solicitor in Southend On Sea especially if they regularly deal with such properties in Southend On Sea.
Should I be wary that brokers that I am dealing with are suggesting a nationwide conveyancing firm as opposed to a local Southend On Sea conveyancing company?
As is the case with many professional services, often referrals from connections can be very helpful. Nevertheless there are numerous players in a conveyancing transaction; estate agents, mortgage brokers and banks might all recommend conveyancers to choose. On occasion the conveyancers might be known to one of the organisations as being good in their field, but occasionally there might be a financial incentive behind the recommendation. You are at liberty to appoint your preferred lawyer. Don't forget that most lenders operate an approved list of lawyers you are obliged to use for the mortgage aspect of your transaction.
My step-father has encouraged me to use his conveyancers in Southend On Sea. Do I take his guidance?
Much as we are happy to recommend a Southend On Sea conveyancing lawyer the best way to choose a conveyancing solicitor is to seek recommendations from friends or relatives who have actually previously instructed the solicitor you're contemplating using.