Why would I appoint a Benfleet conveyancing practice when national conveyancers are easier on the wallet?
To take your time to find compare conveyancing costs in Benfleet and you should seek an affordable estimate but don’t expend your energy scouring the internet for the lowest priced Benfleet conveyancer. Finding the right conveyancer can mark the distinction between a seamless and a frustrating move. It is important that you ensure that you have expert advice from a specialist conveyancer. An e-mail can never take the place of a telephone discussion and can never replicate a face to face consultation. The firms that we work with will find you a qualified and experienced conveyancing solicitor who can tackle your conveyancing from start to finish, giving the sort of personalised service that you rarely receive from an online conveyancer. Our lawyers will update you on any developments and keep you informed. Should it ever be necessary to call the office you will be sure who you need to speak to and they will be sure you are in the know.
I am getting closer to an exchange on a property in Benfleet and my parents have sent the ten percent deposit to my solicitor. I am now told that as the deposit has not come from me my property lawyer needs to disclose this to my mortgage company. I am advised that, in also acting for the bank he must advise them that the balance of the purchase price is coming from anyone other than me. I advised the lender concerning my parents' contribution when I applied for the home loan, so is it really appropriate for this now to be an issue?
The lawyer is obliged to clarify with lender to ensure that they understand that the balance of the purchase price is not from your own funds. Your solicitor can only reveal this to your bank if you agree, failing which, your lawyer must cease to continue acting.
My bank has suggested a law firm on their panel based in Benfleet but I would rather choose a conveyancing lawyer in Benfleet local to me. Can you assist?
Not all Benfleet conveyancing practices are listed all banks conveyancing panel. Use our search tool to choose a Benfleet conveyancing firm on the on the mortgage company panel.
We are buying a house in Benfleet. It might be a silly question but how we can trust a lawyer? On the day of competition we have to put funds into their account. What is the protection we have from them run away with our monies?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
We expect to receive a DIP from Co-operative this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Co-operative recommend any Benfleet solicitors on the Co-operative conveyancing panel, or is it better to go independently?
You will need to appoint Benfleet solicitors independently although you'll need to choose one on the Co-operative conveyancing panel. The solicitor represents both you and Co-operative through the process.
I can not work out if my mortgage offer requires a lease extension. I have called into my local Benfleet building society branch on a couple of occasions and was told it does not impact the mortgage offer and they will lend. My Benfleet conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they would not lend based on their specific requirements. Who do I believe?
The property lawyer must follow the CML Handbook Part 2 specifications for your lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
Me and my brother own a 4 bedroom Victorian house in Benfleet. Conveyancing solicitor acted for me and Godiva Mortgages Ltd. I did a free Land Registry search last week and I saw two entries: the first freehold, the second leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?
You should review 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Benfleet and other locations in 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 question the position with your conveyancing lawyer who conducted the purchase.
I opted to have a survey completed on a house in Benfleet prior to instructing conveyancers. I have been told that there is a flying freehold aspect to the property. My surveyor advised that some mortgage companies may refuse to grant a loan on this type of home.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Halifax. Should you wish to call us we can look into this further 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 Benfleet. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Benfleet to see if the conveyancing will be more expensive.