Would the conveyancing lawyers that you recommend handle conveyancing in Havering-atte-Bower by way of an attended exchange?

There are a few conveyancing specialists who can conduct personalised exchanges. Please e-mail us to secure a conveyancing quote and details as to availability.

What does my ID and proof of funds have anything to do with my conveyancing in Havering-atte-Bower? Why is this being asked of me?

Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identification documents of the person or body they are dealing with before they can accept their conveyancing instruction. The Terms and Conditions that you need to sign should confirm this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. If you are unwilling to supply identification documents, your lawyer can not take you on as a client.

I am purchasing a property in Havering-atte-Bower. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Yorkshire BS be concerned?

Given that you are obtaining a mortgage with Yorkshire BS your lawyer must check the formal requirements set out in Section 2 of UK Finance Lenders’ Handbook for Yorkshire BS. The Council of Mortgage Lenders’ Handbook sets out minimum specifications for solar panel roof-space leases, and solicitors are required to report to Yorkshire BS where a lease does not comply with these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not limited to Havering-atte-Bower.

Virgin Money have agreed my home loan in principle, my offer on a flat in Havering-atte-Bower has been accepted, what happens next?

The property agent will wish to know who your solicitors are (make sure the property lawyers are on the bank’s approved list). Telephone Virgin Money or the financial adviser and finish off any relevant paperwork. Virgin Money will instruct a valuer who will get in touch with the estate agent or owners to book an appointment. Once carried out (assuming no problems) it takes on average a fortnight for the mortgage offer to be issued. Virgin Money will send the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Havering-atte-Bower.

At last I have had an offer on an apartment in Havering-atte-Bower accepted, the vendors do nevertheless have a dependent purchase. The vendors have placed an offer on somewhere, however it’s not been accepted yet, and are looking at other apartments in the pipeline. I have chosen a local conveyancing solicitor in Havering-atte-Bower. What should be my next step? When do I get the mortgage application with Nationwide going?

It is normal to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx £1k, then survey, Havering-atte-Bower conveyancing search costs, etc). First, you should check that your lawyer is on the Nationwide approved list. As to the next steps this very much dictated by the uniqueness of your transaction, attraction to the property and on the state of the market. During a hot market many home buyers would apply for the mortgage with Nationwide and arrange for the valuation and only if it was satisfactory would they ask their property lawyer to move forward with searches.

Just had an offer accepted on a new build apartment in Havering-atte-Bower. Conveyancing is daunting 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 legal work.

Set out below is a sample of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Havering-atte-Bower

Forfeiture - bankruptcy or liquidation must not apply under this provision. Please supply a car parking plan. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. There must be mutual enforceability of lessee’s covenants.

I need to appoint a conveyancing solicitor for remortgage conveyancing in Havering-atte-Bower. I happened to land on a web site which seems to have the perfect answer If there is a chance to get all the legals done via web that would be ideal. Should I be concerned? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?