I am need of leasehold conveyancing for an apartment in a relatively new development (seven years built) in Enfield Town. Almost all the appartments have already been sold. Do I need carry out the local searches for my conveyancing in Enfield Town?
A big part of the Enfield Town conveyancing process is the conveyancing searches. There are a large number of search providers conducting Enfield Town conveyancing searches, as well direct from the local authority. These are usually referred to as personal search organisation and they produce, not surprisingly, personal searches. Nevertheless, all Local Authority Search conveyancing products have one thing in common - they must secure their information from the local authoritative source.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Enfield Town. My lender is Virgin
Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 2/6/2025, the requirements read as follows :
Do I find a Licenced Conveyancer or Solicitor for conveyancing in Enfield Town?
There are two types of lawyers who can do conveyancing in Enfield Town namely licenced conveyancers or solicitors. Both professionals provide conveyancing services that required to complete the sale or acquisition of property. They are both duty bound to handle Enfield Town conveyancing to the same standards and guidelines so you may be sure that your conveyancing will be professionally carried out and that the requirements and steps should be correctly followed.
I can not fathom if my mortgage offer requires a lease extension. I have called my Enfield Town building society branch on various occasions and was advised it wasn't an issue and they will lend. My Enfield Town conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they would not lend in accordance with their published requirements. I simply don't know who is right.
The lawyer must comply with the Council of Mortgage Lenders’ Handbook section two conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company 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 bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I am selling my house. I had a double glazing fitted in June 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Yorkshire BS are being a right pain. The Enfield Town solicitor who is on the Yorkshire BS conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Yorkshire BS are requiring a building regulation certificate. Why do Yorkshire BS have a conveyancing panel if they don't accept advice from them?
It is probably the case that Yorkshire BS have referred the matter to their valuer. The reason why Yorkshire BS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Will my lawyer be making enquiries about flooding during the conveyancing in Enfield Town.
The risk of flooding is if increasing concern for conveyancers dealing with homes in Enfield Town. Some people will acquire a house in Enfield Town, completely aware that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, where a house is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or dispose of the premises. Steps can be carried out as part of the conveyancing process to forewarn the buyer.
Solicitors are not qualified to offer advice on flood risk, however there are a number of checks that can be initiated by the purchaser or on a buyer’s behalf which should give them a better understanding of the risks in Enfield Town. The conventional set of completed inquiry forms supplied to a purchaser’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a usual inquiry of the owner to determine whether the premises has suffered from flooding. If the residence has been flooded in past and is not notified by the vendor, then a buyer may commence a compensation claim resulting from an inaccurate response. A purchaser’s solicitors may also carry out an enviro report. This will indicate whether there is a recorded flood risk. If so, further investigations should be initiated.
I was advised by numerous property agents in Enfield Town to select a property lawyer on your site. What’s the financial inducement for Estate Agents to recommend your site rather than a competitor’s?
We don’t give any referral fee for pointing buyers and sellers in our direction. We found it would be just too difficult to pay a commission because members of the public would think, ‘How come the agent getting a kickback? Why am I not getting any benefit too?’ So we decided to step away from that.
My father-in-law has suggested that I use his conveyancing solicitors in Enfield Town. Should I find my own solicitor?
There are no two ways about it it’s preferable to choose a conveyancing practitioner is to have feedback from friends or family who have experience in using the firm you're are thinking of instructing.