Would the conveyancing practitioners that you recommend handle right to buy conveyancing in Harlow?
We work with a variety of conveyancing firms carrying out right to buy transactions Please call the conveyancers listed in order to obtain a costs calculation.
We wanted to use a conveyancing solicitor in Harlow for our house move. Our financial adviser informed us that our mortgage lenders National Westminster Bank won't deal with them. Surely this is unduly restrictive?
Pre- 2008 most mortgage companies had an appetite for risk which was higher than today. Almost all Harlow conveyancing firms would have been on many mortgage company panels. The FSA in 2010 carried out a thematic investigation into mortgage fraud which concluded: mortgage lenders should know the conveyancing solicitors dealt with. Consequently, lenders have regularly sought more information from law firms relating to their operations and the individuals who work for them as well as set certain criteria such a completing on a minimum number of conveyancing. Many Harlow conveyancing firms that have been excluded from lender panels have Unblemished track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Harlow is one of the numerous areas where the lawyers showing on our search results are are authorised to act for National Westminster Bank.
Should my solicitor be raising enquiries about flooding as part of the conveyancing in Harlow.
The risk of flooding is if increasing concern for solicitors dealing with homes in Harlow. Plenty of people will acquire a property in Harlow, completely aware that at some time, it may suffer from flooding. However, leaving to one side the physical damage, where a house is at risk of flooding, it may be difficult to obtain a mortgage, suitable building insurance, or dispose of the premises. There are steps that can be taken during the course of a house purchase 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 figure out the risks in Harlow. The conventional set of property information forms given to a purchaser’s lawyer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a usual inquiry of the vendor to find out if the property has suffered from flooding. If flooding has previously occurred and is not disclosed by the owner, then a buyer may commence a legal claim for losses stemming from an incorrect reply. The purchaser’s lawyers may also conduct an enviro report. This should reveal whether there is a recorded flood risk. If so, additional investigations will need to be carried out.
Do I need to be wary that third parties that I am dealing with are suggesting a nationwide conveyancing firm rather than a High Street Harlow conveyancing firm?
As with lots of professional services, often referrals from connections can be very helpful. Nevertheless there are lots of parties with a keen interest in a conveyancing deal; estate agents, financial adviser and banks might all put forward solicitors to retain. Sometimes these solicitors might be known to one of the organisations as one of the best in their field, but occasionally there may be a commercial relationship behind the recommendation. You are at liberty to choose your own conveyancer. However, bear in mind that the majority of banks specify a panel list of conveyancers you are obliged to use for the mortgage aspect of your transaction.
My husband and I are first time buyers - had an offer accepted, yet the estate agent told us that the seller will only go ahead if we appoint their recommended conveyancers as they need a ‘quick sale’. My instinct tells me that we should use a local solicitor accustomed to conveyancing in Harlow
It is highly unlikely the vendors are behind this. If they require ‘a quick sale', turning down a genuine purchaser is counter productive. Speak to the vendors direct and explain that (a)you are genuine buyers (b)you are excited to move forward, with finances arranged © you do not need to sell (d) you wish to move quickly (e)however you intend to appoint your own,trusted Harlow conveyancing solicitors - not the ones that will provide their negotiator at the agency a introducer fee or achieve conveyancing thresholds set by head office.
What are my options where I am not happy with the conveyancer who carried out our conveyancing in Harlow?
Occasionally the level of service you receive is not as you expect, and is is a fact of life that sometimes matters do not go as planned. However there is recourse if you were not happy with your conveyancing in Harlow. This varies from trying to resolve matters directly with them, through to reporting a solicitor to their governing body. If you remain dissatisfied you may consider getting in touch with the Legal Ombudsman.