we are a couple who are hoping to buy a newbuild flat in South Hornchurch with a loan from Halifax.We would like to retain our South Hornchurch conveyancing lawyer but Halifax informed us he's not on their "panel". It seems we have no choice but to instruct a Halifax panel solicitor or retain our high street solicitor and pay for a Halifax panel lawyer to act for them. We feel as though this is unjust; Can we not simply insist that Halifax use our lawyer?

Unfortunately,no. The loan offered to you contains various provisions, a common one being that conveyancers needs to be on the Halifax solicitor panel. Until recently, most mortgage companies had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Halifax

I have recentlydiscovered that Action Conveyancing have been shut down. They carried out my conveyancing in South Hornchurch for a purchase of a leasehold apartment 12 months ago. How can I check that my home is registered correctly in the name of the previous owner?

The easiest way to check if the property is registered to you, 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 South Hornchurch conveyancing specialists.

About to purchase a new build flat in South Hornchurch. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here are examples of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in South Hornchurch

The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company?

Yesterday I discovered that there is a flying freehold issue on a property I put an offer in two weeks back in what was supposed to be a simple, chain free conveyancing. South Hornchurch is the location of the property. What do you suggest?

Flying freeholds in South Hornchurch are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside South Hornchurch you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in South Hornchurch 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 premises.

Should I go with a South Hornchurch conveyancing practitioner who is local to the property I am buying? An old friend can handle the conveyancing but they are based 300kilometers away.

The primary upside of using a local South Hornchurch conveyancing practice is that you can attend the office to execute documents, deliver your ID and apply pressure on them where appropriate. Having local South Hornchurch know how is a plus. That being said nothing is more important than finding someone that will pull out all the stops for you. If other friends have used your friend and on the whole were impressed that must surpass using an unfamiliar South Hornchurch conveyancing solicitor solely due to them being local.