Will my conveyancing lawyers need to check that the building insurance when buying a house in Tiptree. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 19/2/2025, the requirements read as follows :
We are downsizing from our house in Tiptree and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. A local conveyancer would know that there is no such problem. For the life of me I don't know why the buyers are using an online conveyancing practice rather than a conveyancing solicitor in Tiptree. We have lived in Tiptree for three years we know that this is a non issue. Do we contact our local Authority to get clarification that there is no issue.
It sounds as though you may have a conveyancing firm already. Are they able to advise? You need to enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
Are there restrictive covenants that are commonly picked up as part of conveyancing in Tiptree?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Tiptree. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How does conveyancing in Tiptree differ for new build properties?
Most buyers of new build premises in Tiptree come to us having been asked by the seller to exchange contracts and commit to the purchase even before the house is finished. This is because developers in Tiptree typically buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Tiptree or who has acted in the same development.
My husband and I are first time buyers - agreed a price, yet the selling agent informed us that the seller will only issue a contract if we instruct the agent's chosen conveyancers as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a high street solicitor used to conveyancing in Tiptree
We suspect that the owner is not behind this requirement. Should the vendor desire ‘a quick sale', alienating a genuine purchaser is going to damage their objectives. Contact the owners directly and explain that (a)you are genuine purchasers (b)you are ready to progress, with finances arranged © you are unencumbered (d) you intend to proceed fast (e)but you intend to appoint your preferred Tiptree conveyancing lawyers - not the ones that will provide the estate agent a kickback or achieve conveyancing targets demanded by corporate headquarters.
At last I have had an offer on an flat in Tiptree agreed to, the vendor does however have a dependent purchase. The owners have offered on a flat, but it’s not yet agreed to, and are looking at other properties booked. I have chosen a nearby conveyancing lawyer in Tiptree. What should be my next step? At what point should I apply for the mortgage with TSB?
It is understandable to have apprehensions where there is an associated chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx £1k, then survey, Tiptree conveyancing search fees, etc). The first course of action is to ensure that your conveyancer is on the TSB approved list. Concerning the next steps this very much dictated by the specifics of your case, desire for this property and on the state of the market. During a hot market the majority of buyers will apply for the mortgage with TSB and pay for the valuation and only if it comes back ok would they request their conveyancer to proceed with searches.