My husband and I are hoping to buy a home in East Sussex and are in fact using a East Sussex conveyancing firm. Within the last couple of days our conveyancer has forwarded the sale agreement to be signed with a detailed report with the expectation that exchange is imminent. Britannia have this afternoon contacted us to advise us that they have now hit a problem as our East Sussex lawyer is not on their approved list of lawyers. What do we do from here?
When purchasing a property with mortgage finance it is normal for the purchasers' lawyers to also represent the mortgage company. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your solicitor should contact your bank and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own lawyers to represent them. You don't have to instruct a firm on the lender’s conveyancing panel as you are at liberty to use your preferred East Sussex lawyers, in which case it will likely add costs, and it will likely delay the transaction as you are adding another lawyer into the mix.
Can the conveyancing lawyers listed on your site carry out auction conveyancing in East Sussex?
We know of a number of auction solicitors we can connect you with those conducting auction conveyancing. East Sussex is just one of our areas of in which our lawyers have offices.
At what point will exchange of contracts happen for residential conveyancing in East Sussex and am I required to be at the lawyers office?
Where you are in close proximity to our conveyancing solicitors in East Sussex you are welcome to come in to sign contracts. However, the law practices we recommend provide countrywide coverage for conveyancing and give just as diligent and professional a job for you when dealing with you electronically. The signing of the contract is not the critical part. Signing on the dotted line is just a prerequisite for the firm to exchange contracts when the time is right, which will usually be very shortly after signing. The exchange process is is usually a five minute process, although where a long "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in East Sussex)to be in the office at the appropriate time.
My property lawyer in East Sussex has never been on on the Virgin Money Conveyancing Panel. Is it possible for me to use my family solicitor even though they are not on the Virgin Money panel of approved conveyancing solicitors?
Your options are as follows:
- Carry on with your existing East Sussex solicitors but Virgin Money will need to retain a solicitor on their panel. This will result in additional total legal fees as well as result in delays.
- Get an alternative solicitor to to deal with the purchase, obviously checking they are Virgin Money approved.
- Try to convince your Virgin Money solicitor to attempt to join the Virgin Money panel
My husband and I are 3 weeks into a leasehold purchase having been recommend to solicitors by the selling agent to perform conveyancing in East Sussex. I am am extremely frustrated with the level of service. Can you help me find new conveyancers?
They would have to be very bad to suggest diss instructing them. Has your loan offer been generated? In the event that it has you must make them aware of the new lawyer and have the offer are re-issued. Your new conveyancer needs to be on the banks approved list to avoid supplemental charges and complications. That should be your first question of the new solicitors. The find a solicitor tool should help you find a lender approved solicitor for your home move in East Sussex
Back In 2000, I bought a leasehold flat in East Sussex. Conveyancing and Alliance & Leicester mortgage are in place. I have received a letter from someone saying they have taken over the reversionary interest in the property. Attached was a demand for arrears of ground rent dating back to 1993. The conveyancing practitioner in East Sussex who acted for me is not around. Any advice?
The first thing you should do is make enquiries of HMLR to be sure that this person is in fact the registered owner of the freehold reversion. There is no need to incur the fees of a East Sussex conveyancing lawyer to do this as you can do this on the Land Registry website for less than a fiver. You should note that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Leasehold Conveyancing in East Sussex - A selection of Questions you should ask before Purchasing
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Many East Sussex leasehold properties will have a service charge for maintenance of the building levied on behalf of the landlord. If you buy the flat you will have to meet this charge, usually quarterly throughout the year. This can vary from a couple of hundred pounds to thousands of pounds for large purpose-built buildings. In all likelihood there will be a ground rent to be met yearly, normally this is not a large figure, say about £25-£75 but you need to enquire it because on occasion it can be prohibitively expensive. What is the maintenance charge and ground rent on the flat?