Do the conveyancing solicitors that are recommend execute auction conveyancing in Harold Wood?
We know of a few auction lawyers we can connect you with those conducting auction conveyancing. Harold Wood is just one of our locations in which our lawyers have a presence.
My father pointed out to me me that in buying a property in Harold Wood there could be various restrictions affecting the ability to carry out external alterations to the property. Is this right?
We are aware of a number of properties in Harold Wood which have some sort of restriction or requirement of consent to external alterations. Part of the conveyancing in Harold Wood should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We were going to get a AIP from Leeds Building Society this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Leeds Building Society recommend any Harold Wood solicitors on the Leeds Building Society conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Harold Wood solicitors independently although you'll need to choose one on the Leeds Building Society conveyancing panel. The solicitor represents both you and Leeds Building Society through the process.
Having read lots of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Harold Wood solicitor - who is on the Principality conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Principality will need an independent valuation of the property. Your lawyer will not arrange this. Usually Principality will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Harold Wood surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Despite weeks of looking the Title Certificate and documents to our house are lost. The solicitors who did the conveyancing in Harold Wood 10 years ago are no longer around. Will I be able to sell the house?
These day there are copies made of almost everything, and your lawyer will know exactly where to locate all the relevant documentation so you may buy or sell your property without any difficulty. If duplicates can’t be found, your conveyancer may be able to put in place insurance or indemnities protecting you against future claims on your premises.
I am purchasing my first flat in Harold Wood with a loan from Skipton Building Society. The developers refused to move on the amount so I negotiated 6k of extras instead. The estate agent advised me not inform my lawyer about this extras as it will impact my mortgage with Skipton Building Society. Do I keep my lawyer in the dark?.
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.
Yesterday I discovered that there is a flying freehold element on a house I put an offer in last month in what should have been a simple, no chain conveyancing. Harold Wood is the location of the property. Is there any advice you can impart?
Flying freeholds in Harold Wood are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Harold Wood you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Harold Wood may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
I'm remortgaging my current house to a BTL mortgage with Skipton Building Society and intend to use the remaining equity as a down payment on a second property. The area we are interested in is Harold Wood. Will your lawyers be able to act for both sets of banks and tie in the two deals?
Do use our search tool on this page to ensure that the conveyancers are approved by both mortgage companies. Assuming that they are the solicitor will be able to connect the two deals but you should talk with you lawyer and specify your expectations and requirements.