Is the fact that my conveyancer in Ardleigh Green is not identified on my bank's solicitor panel that there is a problem with the quality of her conveyancing?
It would be unwise to jump to that conclusion. There are plenty of reasonable explanations. Just recently a report by the solicitors regulator indicated that over three quarters of law firms surveyed had been removed from at least one lender panel. The top 5 reasons are as follows: (1) low volume of transactions (2) the solicitor is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. Should you be concerned you should contact the Ardleigh Green conveyancing firm and enquire why they are no longer on the approved list for your mortgage company.
We are a couple about to sign contracts for a leasehold flat in Ardleigh Green. We have hit a snag. The loan offer with Aldermore expires on 10/7/2025 but the sellers are putting forward a completion date of 14/7/2025. Can one extend the mortgage offer?
The best person to address this concern is your conveyancer who should determine if he or she is corresponding with the mortgage company, owner’s lawyers, selling agents or possibly all parties taking into account the history of your house move to date.
Can you explain why leasehold purchase conveyancing in Ardleigh Green costs more?
Ardleigh Green leasehold properties involve far more paperwork than a freehold purchase, and therefore takes more time to examine and advise upon.Conveyancing will involve the lease having to be checked which is usually a lengthy document, queries raised to ensure that the covenants and conditions have been observed. If it is a flat there will be a management company in existence and the accounts of this will need to be checked and enquiries raised to ensure it is operating efficiently and that all monies due have been paid by the Seller to the company and if not ensuring that money is paid up to date or the appropriate undertakings obtained.
I am due to exchange contracts on my apartment. I had a double glazing fitted in May 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Nationwide are being difficult. The Ardleigh Green 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.
Skipton have agreed my mortgage in principle, my offer on a house in Ardleigh Green has been agreed to, now what?
Your estate agent will want to know who your solicitors are (ensure that the property lawyers are on the lender’s approved list). Contact Skipton or your financial adviser and finish off any relevant documentation. Skipton will instruct a valuer who will get in touch with the estate agent or seller to arrange an appointment. Once conducted (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. Skipton will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Ardleigh Green.
After what feels like an age I have had an offer on a maisonette in Ardleigh Green accepted, the owners do however have a dependent purchase. The owners have offered on a flat, however it’s not yet tied up, and have viewings of other properties in the pipeline. I have instructed a nearby conveyancing solicitor in Ardleigh Green. What do I do now? At what point should I apply for the mortgage with Co-operative?
It is usual to have concerns where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is approx one thousand pounds, then valuation, Ardleigh Green conveyancing search charges, etc). The first course of action is to ensure that your property lawyer is on the Co-operative approved list. As to the next stages this very much dictated by the specifics of your case, desire for the property and on the state of the market. In a rising market many purchasers will apply for the mortgage with Co-operative and pay for the valuation and only if it was satisfactory would they request their lawyer to press on with the conveyancing in Ardleigh Green.
Over the last few months I have been searching for a leasehold apartment up to £245,000 and found one close by in Ardleigh Green I like with open areas and station nearby, the downside is that it only has 52 years unexpired on the lease. I can't really find anything else in Ardleigh Green for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?
If you need a mortgage that many years will likely be an issue. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the current owner has owned the premises for at least 2 years you could request that they start the process of the extension and pass it to you. You can add 90 years to the current lease with a zero ground rent applied. You should consult your conveyancing solicitor about this.
In my capacity as executor for the will of my aunt I am disposing of a house in Neath but live in Ardleigh Green. My conveyancer (approximately 200 kilometers from merequires that I execute a statutory declaration ahead of completion. Can you recommend a conveyancing lawyer in Ardleigh Green to attest and place their company stamp on the document?
strictly speaking you are unlikely to be required to have the documents witnessed by a conveyancing solicitor. Normally or notary public or qualified solicitor will be fine regardless of whether they are Ardleigh Green based