My best friend’s uncle is a property lawyer. I suspect that I will receive mate’s pricing for conveyancing, but if not, what kind of costs would I typically be looking at for conveyancing in Chadwell St Mary?

Do contrast pricing. Do use our search tool on this page. You will notice that fees seem to vary but service levels do are distinct between conveyancers as is true with most professions.

I am purchasing a house without a mortgage in Chadwell St Mary. I have resided for the last 20 years in Chadwell St Mary. Conveyancing searches are a lot of money. As I know the area and road intimately must I have all the conveyancing searches?

Provided that you do not need a mortgage, then all but one or two of the Chadwell St Mary conveyancing searches are non-obligatory. Your lawyer will try and steer you, no-doubt strongly, that you should have searches carried out, but he is duty bound to take that path of guidance. One thing to consider; if you are intend to sell the house one day, it will be of importance to your future buyer what the searches disclose. Sometimes properties with no practical issues can still reveal unfavourable search results. A competent conveyancing solicitor in Chadwell St Mary will be able to give you some practical guidance here.

I purchased a freehold house in Chadwell St Mary but still charged rent, why is this and what is this?

It is rare for properties in Chadwell St Mary and has limited impact for conveyancing in Chadwell St Mary but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the establishment of fresh rentcharges from 1977 onwards.

Old rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 will be extinguished.

Does a directory service exist listing Kent Reliance panel conveyancers in Chadwell St Mary on the Council of Mortgage Lender’s Website?

Unfortunately not yet. There is no such directory service on the CML or Building Society Association sites. Very few lenders make their panel listings open the public on the web. If you are seeking to appoint a Chadwell St Mary conveyancing practitioner on the Kent Reliance please make the most of our tool.

I have a mortgage with Clydesdale for my property in Chadwell St Mary. Conveyancing was finalised months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Clydesdale?

Your original mortgage agreement with Clydesdale will provide that you need their approval before renting your property as this is likely to be a breach of Clydesdale’s mortgage conditions. In many cases banks or building societies will allow you to rent 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 Clydesdale directly. It should not be necessary to do this via a Clydesdale conveyancing panel firm.

Having digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Chadwell St Mary solicitor - who is on the Bank of Ireland conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?

Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Chadwell St Mary postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Chadwell St Mary.

I require quick conveyancing in Chadwell St Mary as I have pressure to exchange contracts inside one month. A home loan is not required. Can I escape the need for conveyancing searches to save fees and time?

As you are not getting a mortgage you are at free not to do searches although no solicitor would suggest that you don't. With plenty of history conveyancing in Chadwell St Mary the following are instances of what can be revealed and adversely impact market value: Refused Planning Applications, Outstanding Charges, Outstanding Grants, Railway Schemes,...