Do the conveyancing solicitors identified via your search tool execute attended exchange conveyancing in Chigwell?
We do have a number of conveyancing experts who can conduct attended exchanges. Do e-mail us to get a fee calculation and details as to availability.
It is 10 years ago since I acquired my house in Chigwell. Conveyancing solicitors have now been appointed on the sale but I can't find my title deeds. Is this a problem?
Don’t worry too much. First the deeds may be with your lender or they could be archived with the solicitor who handled your purchase. Secondly in all probability the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring current official copies of the land registers. Most conveyancing in Chigwell involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
My uncle passed away six months ago and as sole heir and executor I was left the property in Chigwell. The house had a small mortgage left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to HSBC, pay off the mortgage. Is this allowed?
If you intend to re-mortgage then HSBC will insist on your using a conveyancer on the HSBC conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your HSBC conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the HSBC mortgage is registered as a charge at the Land Registry.
Will our lawyer be raising enquiries about flooding during the conveyancing in Chigwell.
The risk of flooding is if increasing concern for solicitors carrying out conveyancing in Chigwell. There are those who purchase a house in Chigwell, fully expectant that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, where a property is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or sell the property. There are steps that can be taken as part of the conveyancing process to forewarn the buyer.
Solicitors are not qualified to give advice on flood risk, however there are a numerous checks that may be undertaken by the buyer or by their conveyancers which can give them a better understanding of the risks in Chigwell. The standard property information forms supplied to a buyer’s solicitor (where the Conveyancing Protocol is adopted) contains a usual inquiry of the vendor to determine if the property has ever been flooded. In the event that flooding has previously occurred which is not disclosed by the seller, then a purchaser could issue a claim for damages stemming from an inaccurate reply. The purchaser’s solicitors will also commission an enviro report. This will reveal whether there is a recorded flood risk. If so, further investigations will need to be made.
We're FTB’s - agreed a price, but the property agent informed us that the owners will only proceed if we instruct their recommended conveyancers as they want an ‘expedited deal’. My instinct tells me that we should use a high street conveyancer who is familiar with conveyancing in Chigwell
It is highly unlikely the sellers are behind this. If they desire ‘a quick sale', turning down a serious buyer is is going to put the whole deal at risk. Bypass the agents and go straight to the owners and make the point that (a)you are keen to buy (b)you are ready to progress, with mortgage lined up © you are chain free (d) you wish to move quickly (e)however you will continue to appoint your own,trusted Chigwell conveyancing lawyers - as opposed tothose that will earn the negotiator at the agency a referral fee or achieve conveyancing targets demanded by HQ.