After what seems like an age a loan agreement from HSBC for the remortgage of my 4 bedroom apartment is coming by the end of next week. Can you recommend a cheap conveyancing lawyer in Wickford?
You have arrived at the wrong site to search for a cheap conveyancing solicitors in Wickford. We can offer you affordable conveyancing but we do not aim to advertise as being the cheapest. Do not be swayed by companies offering the bait of low cost conveyancing in Wickford. The optimum result, in being led by low cost conveyancing, you will end up with what you pay for and at worst you will end up being stung for extras and still not receive the service expected.
It is 10 years ago since I purchased my house in Wickford. Conveyancing lawyers have recently been instructed on the sale but I can't find the title deeds. Is this a problem?
You need not be too concerned. First there is a chance that the deeds will be kept by the mortgage company or they may be in the possession of the conveyancers who handled your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors procuring up to date copy of the land registers. Nearly all conveyancing in Wickford relates to registered property but in the unlikely event that your home is unregistered it is more problematic but is not insurmountable.
I happen to be the sole recipient of my late grandmother’s will with all property in now in my sole name, including the house in Wickford. Conveyancing formalities meant that the Land Registry date was in March. I now wish to sell up. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my proprietorship could be considered the same way as though I had purchased the property in March. Is the property unsalable for six months?
The CML handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. Most lenders would take a pragmatic view as this obligation is chiefly there to pick up on the purchase and immediately sell or the quick reselling of properties.
Is there a list of Lloyds panel solicitors in Wickford on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such directory service on the Council of Mortgage Lenders or Building Society Association sites. Very few banks make their panel listings visible on the web. If you are looking for a Wickford lawyer on the Lloyds please use our facility.
I was told two weeks ago that my mortgage has been agreed to by TSB. Is it usual for TSB to only issue the offer once my solicitor in Wickford is approved on their conveyancing panel? TSB have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for TSB to deal with your lawyer's application to be on the TSB conveyancing panel. There's no guarantee that your solicitor will be accepted.
It has been four months following my purchase conveyancing in Wickford completed. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £160,000. 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 residence 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.
I have been on the look out for a leasehold apartment up to £245,000 and identified one close by in Wickford I like with amenity areas and transport links in the vicinity, the downside is that it's only got 52 years on the lease. There is not much else in Wickford suitable, so just wondered if I would be making a grave error acquiring a lease with such few years left?
If you need a home loan that many years may be an issue. Discount the price by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for a minimum of 2 years you can request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer regarding this matter.
I am looking into buying my first house which is in Wickford and I am already nervous. I couldn't find anything specific about Wickford. Conveyancing will be needed in due course but do you know about the Wickford area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Wickford. In the meantime here are some basic statistics that we found