Do I need to take out insurance to protect me from financial exposure to chancel repairs when purchasing a property in Thurrock?
Unless a prior acquisition of the house completed post 12 October 2013 you could take it that lawyers conducting conveyancing in Thurrock to remain recommending a chancel search and or insurance against a claim.
The deeds to my home can not be found. The lawyers who handled the conveyancing in Thurrock 10 years ago have long since closed. What do I do?
These day there are duplicates made of almost everything, and your solicitor should be aware exactly where to find all the suitable paperwork so you may purchase or dispose of your house without a hitch. Where duplicates are not available, your conveyancer may be able to arrange cover in the form of insurance or indemnities against possible claims on the premises.
I decided to have a survey done on a house in Thurrock before retaining conveyancers. I have been advised that there is a flying freehold element to the house. Our surveyor has said that some banks will refuse to grant a loan on such a house.
It depends who your proposed lender is. Santander has different requirements from Nationwide. If you call us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Thurrock. Conveyancing may be slightly more expensive based on your lender's requirements.
Is it simple use the search facility to find a conveyancing lawyer in Thurrock on the panel for my bank?
First pick a mortgage company such as Barclays , Skipton Building Society or Clydesdale then specify your location a common one being Thurrock. Conveyancing practices in Thurrock and beyond should be shown.
My husband and I are a couple of weeks into a residential purchase having been referred to a firm by the high street agent to carry out the conveyancing in Thurrock. I am not happy. Could you help me find new lawyers?
A conveyancer would have to be really bad in order to consider replacing them. Has your mortgage been generated? If so you must make them aware of the new solicitor and have the mortgage documents are re-sent. Your new solicitor ideally should be on the lenders panel to avoid added charges and delays. That should be your first question of the new conveyancers. Our find a solicitor tool will help you find a lender approved conveyancer for your conveyancing in Thurrock
I own a leasehold house in Thurrock. Conveyancing and Nationwide Building Society mortgage are in place. A letter has just been received from someone claiming to own the reversionary interest in the property. It included a demand for arrears of ground rent dating back to 1998. The conveyancing practitioner in Thurrock who acted for me is not around. Do I pay?
First contact HMLR to make sure that the individual purporting to own the freehold is in fact the registered owner of the freehold reversion. It is not necessary to incur the fees of a Thurrock conveyancing practitioner to do this as it can be done on-line for a few pound. Rest assured that in any event, even if this is the rightful landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Leasehold Conveyancing in Thurrock - Sample of Queries Prior to buying
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Many Thurrock leasehold flats will have a service charge for maintenance of the block invoiced by the landlord. Where you purchase the property you will have to meet this contribution, usually in instalments during the year. This may be anything from several hundred pounds to thousands of pounds for buildings with lifts and large communal areas. There will also be a rentcharge to be met yearly, ordinarily this is not a significant figure, say about £50-£100 but you need to enquire it because occasionally it can be prohibitively expensive. It would be sensible to find out as much as possible concerning the company managing the block as they can either make your living at the property much simpler or uncomfortable. Being a leasehold owner you are often in the clutches of the managing agents both financially and when it comes to every day matters such as the tidiness of the communal areas. Don't be afraid to ask other people whether they are happy with their service. Finally, investigate as to the dates that you are obliged pay the maintenance charge to the appropriate party and specifically how they are spending the funds. This information is helpful as a) areas could result in problems in the building as the communal areas may begin to deteriorate if maintenance remain unpaid b) if the leasehold owners have an issue with the managing agents you will need to have all the details