Finally the sale completed on my house in Thurrock last August yet the purchaser is texting every few hours to moan that their solicitor is waiting to hear from mine. What are the post completion sale formalities now that I have sold?
Following your sale your lawyer should forward the transfer documentation and all of the paperwork to the purchaser's solicitors. Where appropriate, your conveyancer should also evidence that the legal charge in favour of the lender has been paid off to the purchasers conveyancers. There are no post completion procedures unique to conveyancing in Thurrock.
I have been referred to a conveyancing solicitor in Thurrock. I I would like to check if they are accepted on the Platform Home Loans Ltd conveyancing panel. Can you assist?
You should phone the solicitor and ask them if they are on the lender panel. Alternatively you should call Platform Home Loans Ltd who may be able to assist.
This question may be naive but I am new to the home moving as a first time buyer of a garden flat in Thurrock. Do I pick up the keys to the house on completion from my solicitor? If so, I will appoint a High Street conveyancing solicitor in Thurrock?
On the day of completion you do not need to go to the conveyancers office in Thurrock. Conveyancing lawyers for you will transfer the completion advance to the vendor’s conveyancers, and once they have received this, you will be invited to collect the keys from the property Agents and move into your new home. This tends to happen between 1 and 3pm.
Are all Thurrock Conveyancing Quality Solicitors on the Skipton conveyancing list of approved practices?
Some major lenders now make use of CQS as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of conveyancing solicitors.
The mortgage over my property is with Nottingham for my property in Thurrock. Conveyancing has been completed months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Nottingham?
Your original mortgage agreement with Nottingham will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Nottingham’s mortgage conditions. In many cases banks or building societies 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 Nottingham directly. You need not do this via a Nottingham conveyancing panel lawyer.
Despite weeks of looking the Title Certificate and documents to our property are lost. The conveyancers who dealt with the conveyancing in Thurrock 10 years ago have long since closed. What are my options?
As long as the title is registered the details of your proprietorship will be recorded by the Land Registry with a Title Number. It is easy to carry out a search at the Land Registry, identify your house and secure current copies of the property title for less than a fiver. If the title is Leasehold then the Land Registry will in most cases hold a certified copy of the Registered Lease and again, a copy can be obtained for twenty pounds.
I'm buying a new build house in Thurrock benefiting from help to buy. The builders would not reduce the price so I negotiated 6k of additionals instead. The estate agent told me not inform my conveyancer about this deal as it could impact my mortgage with the 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.
How can the Landlord & Tenant Act 1954 impact my business property in Thurrock and how can you help?
The 1954 Act affords a safeguard to commercial tenants, granting the legal entitlement to make a request to court for a continuation of occupancy at the end of the lease term. There are certain specified grounds that a landlord can refrain from granting a lease renewal and the rules are complex. We are happy to direct you to commercial conveyancing solicitors who use the act for protection and handle your commercial conveyancing in Thurrock