My grandmother passed away 10 months ago and as sole heir and executor I was left the property in Pitsea. 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 Bank of Ireland, pay off the mortgage. Is this allowed?
If you intend to refinance then Bank of Ireland will insist on your using a conveyancer on the Bank of Ireland 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 Bank of Ireland 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 Bank of Ireland mortgage is registered as a charge at the Land Registry.
Do I select a Licenced Conveyancer or Solicitor for conveyancing in Pitsea?
There are many registered licenced Conveyancers in Pitsea and Solicitor partnerships in Pitsea who provide Conveyancing services It is important to make clear that both are regulated professionals specialising in the legal work in the home buying process. The two can deal with other property legal work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
Is it correct that all Pitsea CQS (Conveyancing Quality Scheme) solicitors are on the Clydesdale conveyancing list of approved practices?
It is true that some banks and building societies now make use of CQS as the starting point for Panel membership such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their approved list of conveyancing solicitors.
I had an offer accepted on an apartment in Pitsea on 5/12/2025, valuation was booked 2 days later, all came back fine. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to UBS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the UBS conveyancing panel. Are UBS entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for UBS to deal with your lawyer's application to be on the UBS conveyancing panel. There's no guarantee that your solicitor will be accepted.
Due to the guidance of my in-laws I had a survey completed on a property in Pitsea in advance of appointing lawyers. I have been advised that there is a flying freehold element to the property. The surveyor has said that some lenders will refuse to grant a loan on a flying freehold premises.
It varies from the lender to lender. HSBC has different instructions for example to Halifax. Should you wish to call us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Pitsea. Conveyancing may be slightly more expensive based on your lender's requirements.
How straightforward is it to use the search facility to locate a conveyancing solicitor in Pitsea on the approved list for my bank?
1st pick a lender such as Yorkshire Building Society, Leeds Building Society or Aldermore then type in your preferred area such as Pitsea. Conveyancing organisations in Pitsea and nationally will then be shown.
My uncle has urged me to appoint his conveyancers in Pitsea. Do I take his advice?
There are no two ways about it it’s preferable to select a conveyancing lawyer is to have referrals from friends or relatives who have used the firm that you are contemplating using.
Do online conveyancing companies cover everything a local Pitsea solicitor does or must I employ a solicitor for the final stages for my conveyancing in Pitsea?
Where you choose an online conveyancer they should cover all the things your Pitsea conveyancer will cover.