I just acquired a flat at auction in Kelvedon. Conveyancing is required. What happens now?

Having exchanged you will need to find a conveyancing lawyer as a matter of urgency as you will have a tight a drop dead date to complete the transaction. All auction property will ordinarily have a corresponding auction set of papers. This will likely include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold property the legal pack may provide a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation pertinent to a leasehold property. You need to give this to the lawyer instructed by you as soon as possible. You also need to ensure that your finances are in order to complete the transaction on the set completion date.

I am the only beneficiary of my late mum's estate and I have everything in my name alone, including the house in Kelvedon. Conveyancing formalities meant that the Land Registry date was in January. I now wish to sell up. I understand that there is a CML six month 'rule', which means that my property ownership may be considered the same way as if I'd bought the property in January. Will no one buy the property for half a year?

The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be caught by that. How practical a view banks take of it, depend on the mortgage company as this clause is principally there to pick up on the purchase and immediately sell or the wholesaling and assigning of property.

The mortgage over my property is with Nationwide for my property in Kelvedon. Conveyancing has been completed 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Nationwide?

Nationwide must be informed of your intention before renting your property as this is likely to be a breach of Nationwide’s mortgage conditions. It may be that Nationwide will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Nationwide directly. You need not do this via a Nationwide conveyancing panel firm.

I used Stirling Law a few years past for my conveyancing in Kelvedon. I now require my file however the law firm has closed. What do I do?

You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Kelvedon of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

I am looking to sell my home. My past conveyancers have shut. It would be helpful to have a recommendation of a conveyancing firm. Im based in Kelvedon if that affects matters.

Do use our search tool to help you choose a solicitor for your conveyancing in Kelvedon. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs with a minimum of fuss.

I am thinking of appointing a conveyancing lawyer in Kelvedon for my home move. Can I check a solicitor's record with the profession’s regulator?

One can read documented Solicitor Regulator Association (SRA) determinations resulting from investigations from 2008 onwards. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a firm's history, telephone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, dial +44 (0)121 329 6800. The SRA may monitor call for training reasons.

Is there a reason that Kelvedon conveyancing charges differ for leasehold and freehold properties?

There is always increased work necessary for leasehold conveyancing. Kelvedon has many leasehold properties. There is more paperwork involved in the purchase: for example, the lease and leasehold information (including up to date service charge, ground rent and buildings insurance details) obtained from the freeholder or managing agents. There are strict criteria that the lease must meet in order to be acceptable to a mortgage company. If it does not meet these requirements, the lease must be amended, which can involve additional expense for the seller.