My grandmother passed away 10 months ago and as sole heir and executor I was left the house in Harlow. The house had a relatively small loan remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Aldermore, pay off the mortgage. Is this allowed?
Where you intend to re-mortgage then Aldermore will require that you use a conveyancer on the Aldermore conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Aldermore conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Aldermore mortgage is registered as a charge at the Land Registry.
We are buying a flat in Harlow. I might seem paranoid but how we can trust a conveyancer? On the day of competition we have to deposit funds into their account. What protection do we have from them run away with our monies?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
Please help - my lawyer says that flying freehold insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Harlow?
The right level of flying freehold indemnity insurance should be dictated by who who your lender is. It would differ for example between Nationwide Building Society and Barnsley Building Society. Conveyancing lawyers as opposed to borrowers take out such policies.
I currently have a mortgage with Kent Reliance for my property in Harlow. Conveyancing has been completed some time ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Kent Reliance?
You must advise Kent Reliance prior to renting your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. It may be that Kent Reliance will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. It should not be necessary to do this via a Kent Reliance conveyancing panel solicitor.
I'm purchasing my first flat in Harlow benefiting from help to buy. The builders refused to move on the price so I negotiated 6k of additionals instead. The house builders rep advised me not inform my lawyer about the deal as it would jeopardize my loan with National Westminster Bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
My business partner and I are looking to take over a lease of an office on the high street. Can you recommend conveyancers offering no-sale-no fees for non-domestic conveyancing in Harlow for under £1,200?
We can recommend firms who host a wealth of experience of commercial conveyancing in Harlow, including the sale and purchase of businesses as well as simply premises. If you are hoping to acquire or sell a shop, pub, restaurant, office, retail unit or a complete business we can find you the right firm. Regarding the costs this will depend on the structure and heads of terms of the proposed transaction. Please provide us with your contact information or email so as to enable us to supply you with a detailed commercial conveyancing calculation.
My cousin has encouraged me to appoint his conveyancers in Harlow. Should I find my own conveyancer?
No doubt the best way to choose a conveyancing solicitor is to have recommendations from friends or family who have experience in using the solicitor you're contemplating using.
I recently discovered that one of the directors of the law firm acting on the purchase conveyancing in Harlow is a relative of the seller. Is this acceptable?
On the basis that no conflict arises this is allowable. Where you are obtaining a home loan then the bank may have a say as many lenders have specific instructions concerning this. For example for Chelsea Building Society as of 16/5/2026, the requirements read as follows :
* there is no conflict of interest and none arises during the transaction
* the firm is a partnership
* the conveyancer acting is not the borrower or a member of the borrower's immediate family.