Do I need to have a meeting at the offices of the solicitor to sign the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Rochford so that I can attend their offices when needed.
These days approved lawyers for lenders undertake the vast majority of work through the post, e-mail or over phone calls. This enables them to undertake the legal work for your home move regardless of where you live in England or Wales. However you should see if you can still book an appointment to visit conveyancing lawyer if needed.
What can a local search tell me concerning the house my wife and I buying in Rochford?
Rochford conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search company such as Searchflow The local search is essential in every Rochford conveyancing purchase; as long as you don’t want any nasty once you have moved into your new home. The search will supply information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject sections.
The deeds to my house can not be found. The solicitors who dealt with the conveyancing in Rochford 5 years ago are no longer around. What are my next steps?
Assuming you have a registered title the information relating to your ownership will be recorded by the Land Registry under a Title Number. It is easy to conduct a search at the Land Registry, locate your house and obtain current copies of the property title for a small fee. Where the title is Leasehold then the Land Registry will also normally retain a file duplicate of the Registered Lease and again, a copy can be obtained for a small fee.
How does conveyancing in Rochford differ for newly converted properties?
Most buyers of new build property in Rochford come to us having been asked by the developer to sign contracts and commit to the purchase even before the house is built. This is because new home sellers in Rochford usually buy 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 conveyancing solicitors 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 Rochford or who has acted in the same development.
I've recently found out that there is a flying freehold element on a property I have offered on last month in what was supposed to be a simple, chain free conveyancing. Rochford is where the house is located. Can you offer any guidance?
Flying freeholds in Rochford are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Rochford you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Rochford may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.