It is 10 years ago since I acquired my home in Chadwell Heath. Conveyancing solicitors have just been instructed on the sale but I am unable to find my deeds. Is this a problem?
Don’t worry too much. Firstly there is a possibility that the deeds will be with your lender or they may be archived with the conveyancers who acted in the purchase. Secondly the likelihood is that the property will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Most conveyancing in Chadwell Heath involves registered property but in the unlikely event that your property is not registered it is more tricky but is resolvable.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Chadwell Heath. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 24/2/2025, the requirements read as follows :
My wife and I are purchasing a house in Chadwell Heath. It might be a silly question but how we can trust a conveyancer? On the day of competition we have to send funds into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
My partner and I have organised a further advance on our mortgage from Kent Reliance as we want to carry out alterations to our property in Chadwell Heath. Are we obliged to appoint a bricks and mortar Chadwell Heath solicitor on the Kent Reliance conveyancing panel to handle the legals?
Kent Reliance do not ordinarily appoint firms on their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Kent Reliance list.
I am due to exchange contracts on my house. I had a double glazing fitted in November 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Nationwide are being pedantic. The Chadwell Heath solicitor who is on the Nationwide conveyancing panel is saying indemnity insurance will be fine but Nationwide are insisting on a building regulation certificate. Why do Nationwide have a conveyancing panel if they don't accept advice from them?
It is probably the case that Nationwide have referred the matter to their valuer. The reason why Nationwide may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I understand that there are debates on Chancel Insurance on online forums. Do I need this when buying a property in Chadwell Heath? or I am told that there is a law dating back centuries that could mean that house owners living in a parish church boundary may be liable to contribute towards repairs towards the chancel in proximity to the church. Is this applicable for conveyancing in Chadwell Heath?
Unless a prior acquisition of the property completed after 12 October 2013 you can expect lawyers delivering conveyancing in Chadwell Heath to remain recommending a chancel search and or chancel repair liability insurance.
How does conveyancing in Chadwell Heath differ for new build properties?
Most buyers of new build property in Chadwell Heath come to us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is constructed. This is because developers in Chadwell Heath usually acquire 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 property lawyers 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 Chadwell Heath or who has acted in the same development.