We are selling our house in Witham. Will my lawyer have to be on the TSB conveyancing panel in order to deal with the discharge of my mortgage?

Ordinarily, even if your lawyer is not on the TSB conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently in recent years.

Have just purchased a probate house at auction in Witham. Conveyancing is needed. What happens now?

Given that you have now to all intents and purposes signed on the dotted line you now have to appoint a conveyancing practitioner soon as you will have a pending a drop dead date to complete the conveyancing. All auction property should have an associated legal set of papers. This will likely include most,if not all of the documents that your solicitor will need. In the case of leasehold premises the legal pack may provide a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation specific to leasehold premises. You must give this to your appointed conveyancing solicitor as soon as possible. Do make sure that that you have the requisite funding in place to complete the transaction on the set completion date.

The formalities of my purchase has taken place for my property in Witham. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

I had an offer accepted on a house in Witham on 30/10/2024, valuation was booked 2 days after, received a clean bill of health. Property lawyer instructed, so all that was missing was my mortgage offer. Having made daily calls to Leeds Building Society and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Leeds Building Society conveyancing panel. Are Leeds Building Society entitled to hold back the Mortgage pending the lawyer being on the approved list?

A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Leeds Building Society to deal with your lawyer's application to be on the Leeds Building Society conveyancing panel. There's no guarantee that your solicitor will be accepted.

I have todayfound out that Action Conveyancing have been shut down. They conducted my conveyancing in Witham for a purchase of a leasehold flat 18 months ago. How can I check that the property is in my name in the name of the previous owner?

The quickest method to see if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Witham conveyancing specialists.

I am in need of some leasehold conveyancing in Witham. Before I get started I would like to find out the remaining lease term.

If the lease is registered - and 99.9% are in Witham - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

Leasehold Conveyancing in Witham - Sample of Queries before Purchasing

Who manages the block? It is important to be aware whether a new roof is being installed or some other significant cost is anticipated that will be shared amongst the leaseholders and will materially impact the level of the service charges or require a specific invoice. How much is the maintenance charge and ground rent on the flat?

We are looking to purchase a repossessed house in Witham and the bank selling require completion inside a month. Do conveyancing practitioners complete in this timeframe? Am I best advised to instruct a high street Witham firm or an online organisation that professes to offer speedy conveyancing?

Attend your Witham high street. Go in to 3 companies and ask to talk to a conveyancing solicitor for an estimate. Discuss your requirements and seek assurances on speed. Appoint the one that comes across as most efficient. Make sure to select a lawyer on the list of lawyers acceptable to your mortgage company.