Are the Rochford conveyancing solicitors identified as being on the Bank of Ireland conveyancing panel, together with their details provided by Bank of Ireland?

Rochford conveyancing firms themselves provide us confirmation that they are on the Bank of Ireland conveyancing panel as opposed to being supplied with a list from Bank of Ireland directly.

I had intended to instruct a conveyancing solicitor in Rochford for our house purchase. Our financial adviser has since notified us that our bank The Mortgage Works won't deal with them. Surely this is unduly restrictive?

A bank will insist on an approved conveyancer act for it. Borrowers are liable to bear the cost of this. Please make use of our directory service to select a solicitor to carry conveyancing in Rochford on the The Mortgage Works approved list of solicitors.

Is there a list of Clydesdale panel conveyancers in Rochford on the Council of Mortgage Lender’s Website?

No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings open the public online. If you are seeking to appoint a Rochford lawyer on the Clydesdale please make the most of our facility.

I have a mortgage with Leeds Building Society for my property in Rochford. Conveyancing has been completed months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Leeds Building Society?

Your original mortgage agreement with Leeds Building Society will provide that you need their approval prior to letting out your property as this is likely to be a breach of Leeds Building Society’s mortgage conditions. It may be that Leeds Building Society 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 Leeds Building Society directly. It should not be necessary to do this via a Leeds Building Society conveyancing panel solicitor.

I can not work out if my mortgage offer requires a lease extension. I have telephoned my Rochford bank branch on a couple of occasions and was reassured it wasn't a problem and they would lend. My Rochford conveyancing solicitor - who is on the lender conveyancing panel- called to say that they refuse to lend in accordance with their specific requirements. I have no idea who is right.

As long as the conveyancing practitioner is on the lender panel, she or he must comply with the CML Handbook requirements for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

Despite weeks of looking the Title Certificate and documents to our home can not be found. The solicitors who did the conveyancing in Rochford 5 years ago are no longer around. Will I be able to sell the house?

Gone are the days when you need to have the physical official documentation to prove you are the registered proprietor of land or property, as the Land Registry hold details of all registered land or property electronically.

Having checked my lease I have discovered that there are only Seventy years left on my flat in Rochford. I now wish to extend my lease but my landlord is missing. What are my options?

On the basis that you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for for permission to dispense with the service of the initial notice. This will mean that your lease can be granted an extra 90 years by the Court. You will be obliged to prove that you have done all that could be expected to find the lessor. In some cases a specialist should be useful to carry out a search and to produce a report which can be used as evidence that the landlord is indeed missing. It is advisable to get professional help from a solicitor in relation to investigating the landlord’s absence and the application to the County Court overseeing Rochford.

Rochford Conveyancing for Leasehold Flats - Sample of Queries Prior to Purchasing

Make sure you discover if there is anything that is prohibited in the lease. For example it is very common in Rochford leases that pets are not permitted in in a block in Rochford. If you like the apartmentin Rochford yet your cat can’t move with you then you will be faced hard choice. Plenty Rochford leasehold properties will have a service bill for maintenance of the building set on behalf of the freeholder. Where you acquire the property you will have to pay this contribution, usually periodically accross the year. This may be anything from a few hundred pounds to thousands of pounds for buildings with lifts and large common grounds. In all probability there will be a rentcharge to be met yearly, ordinarily this is not a large sum, say about £25-£75 but you should to check it because on occasion it can be many hundreds of pounds. Is there a share of the freehold?