My mortgage broker has requested my Benfleet lawyer’ panel member for the Santander conveyancing panel. Can you suggest how I discover this. I have contacted my local Benfleet branch but they cant find it on their system.
The sensible thing to do is ask for this information from your Benfleet property lawyer . They keep a central record lender panel numbers.
I am the registered owner of a freehold property in Benfleet but still invoiced for rent, why is this and what is this?
It is rare for properties in Benfleet and has limited impact for conveyancing in Benfleet but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back hundreds of years, but the Rent Charge Act 1977 barred the creation of fresh rentcharges from 1977 onwards.
Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence after 2037 is to be extinguished.
Two weeks ago we had a mortgage agreed in principle with Aldermore. Benfleet conveyancing practitioners have been chosen. What is the average time that one could expect to receive a mortgage offer from Aldermore?
There is no definitive answer here. Have Aldermore completed the survey? Have you informed Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I have decided to exercise my right to buy my property in Benfleet off the council. I have a mortgage agreed with HSBC. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with HSBC, you will need to appoint a solicitor on the HSBC conveyancing panel.
I recently had an offer agreed on an apartment in Benfleet. My financial adviser pressured me to appoint their property lawyer. I paid an advanced payment of £225. Shortly after, the lawyer called me to say that they were not on the Clydesdale conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Clydesdale panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I am looking for a flat up to £245,000 and found one close by in Benfleet I like with a park and railway links in the vicinity, however it only has 52 remaining years left on the lease. There is not much else in Benfleet suitable, so just wondered if I would be making a mistake buying a lease with such few years left?
Should you need a home loan that many years may be problematic. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the premises for a minimum of twenty four months you may request that they commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should consult your conveyancing lawyer concerning this.
In my capacity as executor for the will of my grandmother I am disposing of a residence in Newport but reside in Benfleet. My conveyancer (approximately 235 kilometers awayneeds me to sign a stat dec before completion. Could you suggest a conveyancing practitioner in Benfleet to attest and place their company stamp on the document?
Technically speaking you are unlikely to be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will be fine regardless of whether they are located in Benfleet
I am buying a garden maisonette in Benfleet. Conveyancing solicitor is awaiting, from the vendor, building insurance schedule. This morning I was advised that the seller needs to forward the insurance paperwork for the flat above as well. Why does my solicitor need to review the insurance for the other flat? Is it strictly necessary? We have been in hold for the last fortnight…
It is not unheard of in leasehold conveyancing in Benfleet to find Conveyancing in Benfleet in a minority of cases reveals that the lease obliges the tenant's to insure their individual flats rather than the freeholder insuring the complete block - which is clearly preferable. Do contact your solicitor but it would appear that your solicitor is attempting to verify that the entire building is insured. Insuring your residence is no help when it comes to rebuilding after a fire if the 1st floor cannot be reinstated due to lack of insurance cover.