After what seems like an age a loan agreement from Santander for the refinancing of my 3 room garden flat is expected imminently. Could you suggest a cheap conveyancing solicitor in Billericay?
This site is not designed to assist those in their quest for the cheapest conveyancing solicitors in Billericay. Our intention is to offer excellent value conveyancing but our intention is not to advertise as being the cheapest. Resist the temptation to appoint companies seducing you with £100 conveyancing in Billericay. In your best case scenario, in being led by cheap conveyancing, you will earn what you pay for and at worst it will result in you being stung for extras and still not receive the service required.
My husband and I intend to purchase a purpose built flat in Billericay with a loan from Godiva Mortgages Ltd.We would like to retain our Billericay conveyancing lawyer but Godiva Mortgages Ltd informed us she’s not on their approved list of firms. It seems we have no choice but to instruct a Godiva Mortgages Ltd panel firm or retain our preferred solicitor and pay for a Godiva Mortgages Ltd panel lawyer to represent them. This seems very unfair; Can we not simply insist that Godiva Mortgages Ltd use our lawyer?
No, not really. The loan offered to you is subject to its terms and conditions, a common one being that solicitors must be on the Godiva Mortgages Ltd conveyancing panel. Until recently, most banks had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your lawyer to apply to be on the conveyancing panel for Godiva Mortgages Ltd
A friend advised me that in buying a property in Billericay there could be a number of restrictions affecting the ability to carry out external changes to the property. Is this right?
There are anumerous of properties in Billericay which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Billericay should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
The formalities of my remortgage has taken place for my property in Billericay. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
My offer was accepted on a house in Billericay on 4/8/2025, valuation was booked 3 days after, received a clean bill of health. Solicitor retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Nationwide and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Nationwide conveyancing panel. Are Nationwide entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Nationwide to deal with your lawyer's application to be on the Nationwide conveyancing panel. There's no guarantee that your solicitor will be accepted.
Due to the encouragement of my in-laws I had a survey completed on a property in Billericay before instructing conveyancers. I have been advised that there is a flying freehold aspect to the house. Our surveyor has said that some banks may not give a loan on this type of premises.
It varies from the lender to lender. Bank of Scotland has different instructions from Nationwide. If you e-mail us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Billericay. Conveyancing will be smoother if you use a solicitor in Billericay especially if they are familiar with such properties in Billericay.
How difficult is it to swap firm as I have to choose a firm on the Alliance & Leicester conveyancing panel. I was using a family conveyancing solicitor in Billericay five minutes from me but she is not approved by Alliance & Leicester
We will our best to assist in finding you a conveyancing solicitor in Billericay on the Alliance & Leicester panel. Please note that the property lawyers that we list do not pay us fee if you instruct them and are fully regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Billericay. In making use of search facility on this page, you can contrast fees for conveyancing solicitors in Billericay and beyond.
I own a leasehold flat in Billericay. Conveyancing was completed in 2010. I have heard that I mustn’t let the the remaining lease term to get too low. Why is that a problem?
Billericay domestic long term leases are for a prescribed term - often ninety nine years when they are first granted. However many appartments in Billericay were constructed or converted in the 70’s80’s and so these leases now have less than 80 years left to run. That may sound like a long time but Banks, Building Societies and other mortgage institutions on the whole need leases to have a minimum of 75 years unexpired to adequate security. This means that when you come to sell the property you will need to extend the term of your lease if you are getting close to 75 years. To enhance the saleability of your property you should be considering whether or not to extend your lease long before you come to sell it. Furthermore advantages to doing so before the lease reaches even eighty years as when the lease falls below 80 years the amount to be paid to extend starts to increase.