Souldinstructing a Ardleigh Green conveyancing practitioner make my purchase more efficient?
Ardleigh Green is a special area, where neighbourhood know-how is a significant benefit. The laid-back lifestyle has an upside – but not for your house move. The property lawyers that we work with providing well rounded Ardleigh Green know how with a professional, hands-onapproach that ensures everything runs smoothly. It will certainly help if they enjoy good relationships with financial advisers, local authorities, valuers and counterpart Ardleigh Green conveyancing solicitors
My wife and I buying a end of terrace house in Ardleigh Green. The intention is to carry out an extension to the side at the property.Will the conveyancing process involve enquiries to ascertain if these works are prohibited?
Your conveyancer will check the deeds as conveyancing in Ardleigh Green will occasionally identify restrictions in the title deeds which restrict certain works or need the consent of another owner. Certain additions call for local authority planning consent and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these issues with a surveyor prior to committing yourself to a purchase.
The mortgage over my property is with RBS for my property in Ardleigh Green. Conveyancing was finalised months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform RBS?
You must advise RBS before renting your property as this is likely to be a breach of RBS’s mortgage conditions. It may be that RBS will permit you to let 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 RBS directly. You need not do this via a RBS conveyancing panel solicitor.
Santander have agreed my mortgage in principle, my offer on a house in Ardleigh Green has been accepted, now what?
Your estate agent will need to know who your solicitors are (make sure the lawyers are on the bank’s panel). Contact Santander or the financial adviser and complete any outstanding forms. Santander will appoint a valuer who will get in touch with the estate agent or owners to arrange an appointment. Once conducted (assuming no problems) it takes about ten days to receive the mortgage offer. Santander will issue the offer to you and your solicitors. The legal work will then take it’s course according the nature and complexity of the conveyancing in Ardleigh Green.
My wife and I have a renovated Victorian property in Ardleigh Green. Conveyancing solicitor represented me and Coventry Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold under the exact same property. I thought I was buying a freehold how can I check?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ardleigh Green and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the position with the conveyancing solicitor who conducted the purchase.
How does conveyancing in Ardleigh Green differ for new build properties?
Most buyers of new build residence in Ardleigh Green come to us having been asked by the developer to exchange contracts and commit to the purchase even before the property is constructed. This is because house builders in Ardleigh Green usually acquire 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 conveyancing solicitors 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 accustomed to new build conveyancing in Ardleigh Green or who has acted in the same development.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on a fortnight ago in what was supposed to be a quick, chain free conveyancing. Ardleigh Green is where the house is located. Can you offer any assistance?
Flying freeholds in Ardleigh Green are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Ardleigh Green you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ardleigh Green may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
I have been recommended by a number of property agents in Ardleigh Green to get a quote from a solicitor using your seach tool. What’s the financial inducement for Estate Agents to recommend your site over a competitor’s?
We don’t make any financial incentive for sending work to this site. We thought it would be too underhand to pay a commission because home movers will think, ‘Why is the agent getting a kickback? Why aren’t I receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.