My wife and I are purchasing a 1 bedroom flat in West Thurrock with a mortgage. We have a West Thurrock conveyancer, but the bank advise she’s not on their "panel". We have to appoint one of the lender panel conveyancing practices or continue with our West Thurrock property lawyer and pay for one of their panel lawyers to act for them. We consider that this is unjust; can we not require that the mortgage company use our West Thurrock lawyer ?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose 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 West Thurrock conveyancing solicitor to apply to be on the conveyancing panel.
As someone clueless as to conveyancing in West Thurrock what is your top tip you can give me for the home moving process in West Thurrock
You may not hear this from too many lawyers but conveyancing in West Thurrock or throughout Essex is often a confrontational process. Put another way, when it comes to conveyancing there is an abundance of room for confrontation between you and others involved in the house moving process. E.g., the seller, estate agent and sometimes the bank. Appointing a lawyer for your conveyancing in West Thurrock an important selection as your conveyancer is your adviser, and is the ONE person in the process whose interest is to look after your best interests and to protect you.
There is a definite creep of a "blame" culture- someone must be blamed for the process taking so long. You your first instinct should be to trust your lawyer above the other players when it comes to the legal transfer of property.
How does conveyancing in West Thurrock differ for newly converted properties?
Most buyers of new build property in West Thurrock come to us having been asked by the seller to exchange contracts and commit to the purchase even before the property is finished. This is because new home sellers in West Thurrock typically purchase the real estate, 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 conveyancers 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 used to new build conveyancing in West Thurrock or who has acted in the same development.
I was pointed in your direction by a number of property agents in West Thurrock to find a conveyancer on your site. Is there a financial inducement for Estate Agents to recommend your lawyers over alternative conveyancing organisations?
We refuse to make any commission for sending work to this site. We found it would be just too difficult to pay a commission as home movers will think, ‘Why is the agent getting a kickback? Why am I not getting any benefit too?’ So we decided to step away from that.
In my capacity as executor for the will of my father I am selling a residence in Newport but reside in West Thurrock. My conveyancer (approximately 300 kilometers awayhas requested that I execute a statutory declaration prior to completion. Could you suggest a conveyancing practitioner in West Thurrock to attest and place their company stamp on the document?
Technically speaking you are unlikely to need to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or qualified solicitor will do regardless of whether they are West Thurrock based
My mother and father cant seem to find their West Thurrock land registry title on the website. They have a vague recollection sixty years ago when they purchased the house there were complications concerning the post code not being identified on some systems.
Almost all properties in West Thurrock should appear. Have you tried a search with just the postcode. Normally it should reveal all the premises within the postcode. Assuming the property is registered it will show up with a title number. If they bought back in the 70’s it's conceivable it may be unregistered. The address could still be revealed but with the title number identified as 'na'. In this scenario you will need to track down the original title documentation which may be with your parent’s mortgage company.