Finally, a mortgage offer from NatWest for the refinancing of my 3 room flat is expected imminently. Are you able to suggest a low cost conveyancing solicitor in Grays?
You are on the wrong site if you are in need of cut-price fees for conveyancing in Grays. Our aim is to provide excellent value conveyancing but we do not work with the cheapest lawyers. Do not be swayed by companies enticing you with £100 conveyancing in Grays. The optimum outcome, in choosing a lawyer for cheap conveyancing, you will get your money’s worth and at worst you will end up being stung for additional fees and still not end up with the service expected.
We were just about to sign contracts for a ground floor flat in Grays. We encountered a snag. Our mortgage offer with Santander expires on 27/5/2025 but the owners are suggesting a completion date of 29/5/2025. Can one prolong the mortgage expiry date?
The person best placed to address this question is your solicitors who is in a position to assess whether he or she is better off negotiating with the mortgage company, seller’s solicitors, selling agents or indeed all parties taking into account the circumstances your house move as of today.
It is 10 years ago since I purchased my property in Grays. Conveyancing lawyers have recently been instructed on the sale but I am unable to locate the title deeds. Is this a problem?
You need not be too concerned. First the deeds may be with the lender or they could still be with the lawyers who oversaw the purchase. Secondly the likelihood is that the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors acquiring current official copies of the land registers. Most conveyancing in Grays involves registered property but in the unlikely event that your property is unregistered it is more of a problem but is resolvable.
This question may be naive but I am unseasoned as a first time purchaser of a ground floor flat in Grays. Do I collect the keys to the house on completion from my conveyancer? If so, I will find a local conveyancing solicitor in Grays?
On the day of completion you do not need to attend the conveyancers office in Grays. Your solicitors will transfer the purchase money to the owner’s lawyers, and once they have received this, you will be called to collect the keys from the selling Agents and start moving into the property. Usually this happens early afternoon.
I am expecting a DIP from Yorkshire BS this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Grays solicitors on the Yorkshire BS conveyancing panel, or is it better to go independently?
You will need to appoint Grays solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
My offer was accepted on a house in Grays on 5/2/2025, valuation was booked five days after, received a clean bill of health. Property lawyer retained, so all that was missing was my mortgage offer. Having made daily calls to Aldermore and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Aldermore conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Aldermore to deal with your lawyer's application to be on the Aldermore conveyancing panel. There's no guarantee that your solicitor will be accepted.
My colleague suggested that if I am purchasing in Grays I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is usually included in the estimate for your Grays conveyancing searches. It is not a small document of about 40 pages, listing and setting out important information about Grays around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Grays Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Grays Education with plans and statistics, Local Amenities and other useful information regarding Grays.
Just had an offer accepted on a new build flat in Grays. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below are examples of a few leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Grays
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The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier?