My partner and I intend to remortgage our maisonette in Westcliff On Sea with Kent Reliance. We have a son 18 who lives at home. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the property is repossessed. I have two questions (1) Is this document specific to the Kent Reliance conveyancing panel as he did not need to sign this form when we remortgaged 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Kent Reliance. This is solely used to protect Kent Reliance if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Kent Reliance had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
Completed the sale of my flat in Westcliff On Sea last September but my buyer keeps calling me complaining that his conveyancer is waiting to hear from mine. What are the post completion sale legalities now that I have sold?
Following your disposal your conveyancer should deliver the transfer deeds and all of the paperwork to the purchaser's solicitors. If applicable, your conveyancer should also send confirmation that the home loan has been paid off to the buyers lawyers. There are no post completion requirements unique to conveyancing in Westcliff On Sea.
We're in Westcliff On Sea, FTBs purchasing with a mortgage (lender is Coventry BS , and our lawyer is on the Coventry BS conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Coventry BS conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no solicitor should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
I used Stirling Law several years ago for my conveyancing in Westcliff On Sea. I now require my papers however cannot find the solicitor. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Westcliff On Sea of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the guidance of my in-laws I had a survey completed on a property in Westcliff On Sea before instructing conveyancers. I have been advised that there is a flying freehold aspect to the house. Our surveyor has said that some mortgage companies may not give a mortgage on a flying freehold property.
It varies from the lender to lender. Lloyds has different requirements for example to Nationwide. If you contact us we can look into this further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Westcliff On Sea. Conveyancing may be slightly more expensive based on your lender's requirements.
What tools are available to locate a Westcliff On Sea law firm on the Britannia conveyancing panel? I drive a motor bike and am prepared to travel upto 20miles to meet the lawyer.
You can use the tool on this page. Please choose the lender and your location and you will see a number of Westcliff On Sea conveyancing lawyers locally. We have listed some Westcliff On Sea conveyancing firms at the bottom of this page and you can call them to verify whether they are on the Britannia member panel