I was informed today by my broker that my Loughton the law firm I have appointed is not on the bank Solicitor panel. How can I be certain if this is indeed the case?
Your first step should be to contact your Loughton conveyancer. It is reasonable to expect your lawyer to notify you what has happened. If they are not on the panel they may recommend you to a Loughton conveyancing practice that is on the approved list of lawyers for your mortgage company.
We were just about to sign contracts for a semi detached house in Loughton. We encountered a snag. The mortgage offer with Barclays expires on 9/12/2025 but the owners are insisting on a completion date of 11/12/2025. Is it possible to extend the mortgage offer?
The person best placed to deal with your question is your solicitors who should assess whether he or she is corresponding with the mortgage broker, seller’s solicitors, selling agents or indeed all three taking into account the circumstances your house move as of today.
We are buying a house and the lawyer has referenced Chancel Repair for which the house may be obligated to pay given it’s proximity to the area of such a church. He has recommended insurance. Is this strictly required for conveyancing in Loughton
Unless a prior purchase of the property completed post 12 October 2013 you may assume that conveyancing practitioners conducting conveyancing in Loughton to remain recommending a chancel search and or chancel repair liability policy.
Due to the advice of my in-laws I had a survey completed on a property in Loughton ahead of appointing conveyancers. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some mortgage companies tend refuse to grant a mortgage on a flying freehold house.
It varies from the lender to lender. Lloyds has different requirements for example to Nationwide. If you e-mail us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Loughton. Conveyancing will be smoother if you use a solicitor in Loughton especially if they are accustomed to such properties in Loughton.
Am I right to be wary that estate agents that I am dealing with are encouraging me to use a nationwide conveyancing firm as opposed to a local Loughton conveyancing practice?
As is the case with many service providers, often input from relatives can be extremely useful or valuable. Nevertheless there are lots of people with a vested interest in a conveyancing transaction; estate agents, mortgage brokers and lenders might all recommend conveyancers to instruct. Sometimes the conveyancers might be known to one of the organisations as experts in their field, but sometimes there exists a financial incentive behind the recommendation. You have the discretion to choose your own lawyer. However, bear in mind that the majority of mortgage providers specify a panel list of law firms you have to use for the lender aspect of your transaction.
A licensed conveyancer dealt with my conveyancing in Loughton half a dozen years past and was holding my registration certificates but has since been shut down – What steps do I now take to retreive these?
Title deeds, as such, are no longer appropriate for most homes in Loughton are recorded digitally at Land Registry. If you need to show ownership or are selling or re-mortgaging your solicitor should obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.