Completed the sale of my flat in Writtle last January yet the purchaser is whats apping every few hours to say her conveyancer is waiting to hear from mine. What should have happened following completion?
Following your disposal your conveyancer should forward the transfer documentation and all additional paperwork to the buyer’s conveyancer. Depending on the transaction, your conveyancer must also confirm that the legal charge in favour of the lender has been paid off to the buyers lawyers. There is unlikely to be post completion procedures peculiar conveyancing in Writtle.
Can I be sure that the Writtle conveyancing solicitor on the UBS panel is any good?
When it comes to conveyancing in Writtle obtaining recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor conducting your conveyancing.
Two weeks ago we had a mortgage agreed in principle with Nationwide. Writtle conveyancing lawyers were instructed. What is the average time that one could expect to receive a mortgage offer from Nationwide?
Some lenders take longer than others. Have Nationwide done the survey? Have you advised Nationwide as to your lawyers' details and checked that your lawyers are on the Nationwide conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am buying a property in Writtle. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Leeds Building Society be concerned?
As you are obtaining a mortgage with Leeds Building Society your lawyer must check the conveyancing instructions outlined in Section two of UK Finance Lenders’ Handbook for Leeds Building Society. The Council of Mortgage Lenders’ Handbook sets out minimum provisions for solar panel roof-space leases, and conveyancing practitioners are required to report to Leeds Building Society where a lease does not satisfy these provisions. The requirements relate to the installation of panels on properties in England and Wales and is not limited to Writtle.
How does conveyancing in Writtle differ for newly converted properties?
Most buyers of new build residence in Writtle contact us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the residence is completed. This is because builders in Writtle usually buy the land, 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 accustomed to new build conveyancing in Writtle or who has acted in the same development.
My father has recommend that I use his conveyancing solicitors in Writtle. Do I take his recommendation?
Much as we are happy to recommend a Writtle conveyancing lawyer it’s preferable to select a conveyancing solicitor is to have recommendations from friends or family who have actually used the firm that you are considering.
Are there frequently found defects that you encounter in leases for Writtle properties?
Leasehold conveyancing in Writtle is not unique. All leases are individual and legal mistakes in the legal wording can result in certain clauses are missing. For example, if your lease is missing any of the following, it could be defective:
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Repairing obligations to or maintain elements of the premises
You could encounter a problem when selling your property if you have a defective lease as they can affect a potential buyer’s ability to obtain a mortgage. Accord Mortgages Ltd, The Royal Bank of Scotland, and TSB all have very detailed requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is defective they may refuse to grant the mortgage, obliging the purchaser to pull out.
Leasehold Conveyancing in Writtle - Examples of Questions you should consider before Purchasing
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Best to be warned if a new roof is being installed or some other major work is pending to be shared between the leasehold owners and could well dramatically impact the level of the service fees or require a one time payment. Who manages the building? On the whole the cost for major works are not included within service charges, albeit that a few managing agents in Writtle obliged leaseholders to contribute towards a sinking fund created for the specific intention of establishing a fund for major repairs or maintenance.
Are you able to shed any light on the spectrum of conveyancing undertaken by Writtle conveyancing organisations?
The majority of Writtle conveyancing solicitors manage to provide a wide range of legal advice to domestic and rural land proprietors, sellers, first time buyers, landlords and tenants which may include:
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Standard residential sale conveyancing in Writtle or throughout the rest of the country
House purchase conveyancing in Writtle and further afield
Shared equity purchase (part buying and part renting) Portfolio and off-shore remortgages Property issues resulting from relationship breakdown. Planning and boundary enquiries