Our Wickford conveyancer has uncovered a discrepancy between the information in the home valuation report and what is revealed within the conveyancing documents. My lawyer informs me that he is duty bound to check that the lender is happy with this discrepancy and is content to go ahead. Is my lawyer’s approach legitimate?
Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
I am buying a flat and need a conveyancing solicitor in Wickford who is on the HSBC Bank solicitor. Can you recommend a local solicitor?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for HSBC Bank in certain locations such as Wickford. We dont recommend any particular firm.
My father informed me that in purchasing a property in Wickford there could be a number of restrictions affecting the ability to carry out external alterations to the property. Is this right?
We are aware of a number of properties in Wickford which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Wickford should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am purchasing a 3 bedroom semi in Wickford. The intention is to an extension at the rear at the property.Will the conveyancing process include enquiries to determine if these works are allowed?
Your property lawyer should check the deeds as conveyancing in Wickford will on occasion identify restrictions in the title documents which prohibit certain alterations or require the consent of another owner. Many extensions call for local authority planning permissions and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be sensible to check these things with a surveyor before you commit yourself to a purchase.
My conveyancer has informed me that missing deeds insurance is needed on my purchase. What is the level of cover for Wickford conveyancing?
The right level of missing deeds indemnity insurance depends on who your lender is. It would differ for example between Yorkshire Building Society and The Royal Bank of Scotland. Conveyancing lawyers as opposed to members of the public take out such policies.
Just had an offer accepted on a new build flat in Wickford. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here are examples of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Wickford
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Forfeiture - bankruptcy or liquidation must not apply under this provision. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Please confirm the Lease plans are surveyor prepared. There must be mutual enforceability of lessee’s covenants.
My partner has encouraged me to instruct his conveyancers in Wickford. Do I take his guidance?
Much as we are happy to recommend a Wickford conveyancing lawyer the best way to find a conveyancing practitioner is to have guidance from friends or relatives who have used the firm you're considering.
When it comes to my conveyancing in Wickford should I be charged VAT on the following: (1) Land reg fee on purchase (2) Pre - completion search fee (3) SDLT E submission on purchase (4) Bank TT fee
(1) Land reg fee on purchase - No (2) Pre - completion search fees -No, (such conveyancing searches are HMLR ones and means £4 and possibly £2 bankruptcy per name on your mortgage) (3) SDLT E submission on your purchase - There is no VAT on Stamp Duty. However if the firm is charging a stamp duty e-submission fee as part of their services - some Wickford conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the conveyancer's time in submitting the funds this way.