It has come to my attention via my mortgage broker that my Westcliff On Sea solicitor is not on the bank Conveyancing panel. What can I do to be sure whether this is correct?
You need to call your Westcliff On Sea conveyancer. It is reasonable to expect your lawyer to inform you what has happened. Where they are not on the panel they may be able to suggest a Westcliff On Sea conveyancing practice that is on the approved list of lawyers for your mortgage company.
Having sold my house in Westcliff On Sea last November but my buyer keeps calling daily to say his solicitor needs to hear from mysolicitor. What are the post completion sale legalities following completion?
Following your house sale your lawyer is duty bound to send the transfer documentation and all supplemental paperwork to the buyer’s solicitors. Where appropriate, your conveyancer must also evidence that the legal charge in favour of the lender has been discharged to the buyers lawyers. There are no post completion steps specific conveyancing in Westcliff On Sea.
After reviewing moneysavingexpert.com for a conveyancing solicitor in Westcliff On Sea, most comment that I must use a CQS kitemarked lawyer. What is CQS?
Westcliff On Sea Conveyancing Quality Scheme solicitors have achieved accreditation by the law Society CQS was created to establish evidence of quality standards in the home buying process. CQS helps buyers and sellers to recognise practices who provide a quality residential conveyancing. Westcliff On Sea is one of locations in England and Wales in which CQS have a presence. The conveyancing scheme requires solicitors to undergo a strict assessment, compulsory training, self-reporting, spot checks and yearly assessments in order to maintain CQS status. It is available to solicitors and not licensed conveyancers and has the support of the Building Societies Association.
I have recentlyfound out that Action Conveyancing have been shut down. They carried out my conveyancing in Westcliff On Sea for a purchase of a freehold house 18 months ago. How can I check that my home is in my name in the name of the previous owner?
The quickest method to see if the property is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Westcliff On Sea conveyancing specialists.
How does conveyancing in Westcliff On Sea differ for new build properties?
Most buyers of new build residence in Westcliff On Sea contact us having been asked by the builder to exchange contracts and commit to the purchase even before the residence is completed. This is because house builders in Westcliff On Sea typically purchase 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 conveyancing solicitors 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 Westcliff On Sea or who has acted in the same development.
Last February I purchased a leasehold flat in Westcliff On Sea. Am I liable to pay service charges for periods before completion of my purchase?
Where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Westcliff On Sea Leasehold Conveyancing - Sample of Questions you should consider Prior to Purchasing
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On the whole the outlay for major works tend not to be included within service charges, although there some managing agents in Westcliff On Sea require leaseholders to pay into a sinking fund and this is used to offset against major repairs or maintenance. Is there a share of the freehold? Please note that where the lease has no more than 80 years it will affect the value of the apartment. It is worth checking with your mortgage company that they are happy with the length of the lease. A short lease means that you will almost definitely have to extend the lease at some point and it is worth finding out what this will be. For most Westcliff On Sealease extensions you will need to own the premises for 24 months in order to be eligible to extend the lease.