Why would one use a Pitsea conveyancing company given that web based alternatives are so much cheaper?
Its a good idea to get 2 or 3 like-for-like quotes for conveyancing costs in Pitsea and you should seek a reasonable fee calculation but don’t waste your energy scouring the internet for the cheapest Pitsea conveyancer. Appointing the right conveyancer can mark the distinction between a smooth and a stressful house move. It is important that you ensure that you have expert guidance from a specialist solicitor. An e-mail can never replace a telephone conversation and are no substitute for a one to one meeting. The firms that we work with will find you a qualified and experienced conveyancing solicitor that will deal with your conveyancing from from the outset to completion, providing a level of hand holding that you are unlikely to received from an online conveyancer. Our lawyers will contact you regularly to update you as to progress and keep you informed. If you ever need to contact the firm you will know who you need to speak to and we'll ensure you're not left wondering what's going on.
We are about to exchange contracts for a garden flat in Pitsea. We have hit a snag. Our mortgage offer with Virgin Money expires on 2/2/2026 but the vendors are insisting on a completion date of 4/2/2026. Is it possible to prolong the loan expiry date?
The person best placed to deal with your issue is your lawyer who should assess if they should be discussing with the mortgage company, vendor’s lawyers, property agents or possibly all three based on the history of your house move as of today.
My fiance and I wish to acquire a 1 bedroom apartment in Pitsea with a loan from Nottingham Building Society.We use our Pitsea conveyancing practitioner but Nottingham Building Society advised that his firm is not on their "panel". It seems we have no choice but to instruct a Nottingham Building Society panel solicitor or keep our high street solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?
Unfortunately,no. The home loan issued to you is subject to its terms and conditions, one of which will be that solicitors will be on the Nottingham Building Society conveyancing panel. in the past, most lenders had large numbers of law firms on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Nottingham Building Society
We have agreed to purchase a house in Pitsea. A rare aspect is that the roof has a solar panel. RBS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with RBS your lawyer must check the formal requirements set out in Section two of UK Finance Lenders’ Handbook for RBS. The CML Handbook stipulates minimum conditions for solar panel roof-space leases, and solicitors are required to report to RBS where a lease fails to meet these conditions. The provisions relate to the installation of panels on properties nationwide and is not isolated to Pitsea.
My husband and I are in the throws of looking at flats in Pitsea and I am now considering a potential offer. Is it advisable to have a solicitor on ‘stand by’? I am planning to take a home loan with Barclays.
It would be wise to commence your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the EA. Given that you are obtaining a mortgage with Barclays, ask your prospective lawyers if they are on the Barclays conveyancing panel otherwise they can't do the mortgage legal work.
My sealed bid on a property in Pitsea has been accepted, the vendors do nevertheless have a dependent purchase. The vendors have put an offer on a flat, however it’s not been accepted yet, and are looking at other apartments booked. I have instructed a bricks and mortar conveyancing solicitor in Pitsea. What should be my next step? At what point should I apply for the mortgage with Aldermore?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur expenses too early (mortgage application is approx £1k, then survey, Pitsea conveyancing search charges, etc). The first thing to do is check that your conveyancing practitioner is on the Aldermore conveyancing panel. Concerning the next steps this very much depends on the circumstances of your transaction, attraction to the property and on the state of the market. In a buoyant market the majority of purchasers will apply for the mortgage with Aldermore and arrange for the valuation and only if it comes back ok would they pay their solicitor to move forward with the conveyancing in Pitsea.
Me and my brother purchased a semi-detached Georgian property in Pitsea. Conveyancing solicitor represented me and Yorkshire Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold under the matching property. If a house is not a freehold shouldn't I have been informed?
You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Pitsea and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the position with your conveyancing lawyer who conducted the purchase.
I opted to have a survey carried out on a property in Pitsea ahead of appointing lawyers. I have been advised that there is a flying freehold aspect to the property. The surveyor advised that some banks will refuse to grant a loan on such a house.
It varies from the lender to lender. Bank of Scotland has different instructions from Halifax. Should you wish to call us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Pitsea. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Pitsea to see if the conveyancing will be more expensive.