Can your site be used to recommend a Conveyancing solicitor in Ashford Kent even where I’m not buying or selling a house, for example if I want to acquire an office in Ashford Kent with a mortgage from Clydesdale?
The service is predominantly utilised to get a quote from residential conveyancing solicitors in Ashford Kent but we have recorded towards the bottom of this page a few Ashford Kent commercial conveyancing firms. You will need to make contact with the company directly to see if they can also act for Clydesdale
My husband and I wish to acquire a purpose built flat in Ashford Kent with a mortgage from Halifax.We like our Ashford Kent conveyancing solicitor but Halifax says his firm is not on their approved list of member firms. We have to appoint a Halifax panel firm 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?
No, not really. The mortgage offered to you is subject to its various provisions, a common one being that conveyancers needs to be on the Halifax solicitor panel. Until recently, most lenders had large numbers of solicitors 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 lawyer to apply to be on the conveyancing panel for Halifax
How can we tell if a Ashford Kent conveyancing solicitor on the Co-operative panel is any good?
When it comes to conveyancing in Ashford Kent seeking recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the lawyer handling your transaction.
I am buying a property in Ashford Kent. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender UBS be concerned?
Given that you are obtaining a mortgage with UBS your lawyer must check the conveyancing instructions set out in Part two of UK Finance Lenders’ Handbook for UBS. The CML Handbook contains minimum provisions for solar panel roof-space leases, and lawyers are required to report to UBS where a lease does not satisfy these provisions. The conditions relate to the installation of panels on properties countrywide and is not isolated to Ashford Kent.
Planning on purchasing a flat in Ashford Kent. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Kent Reliance conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Ashford Kent conveyancer is on the Kent Reliance conveyancing panel.
Yesterday I discovered that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a quick, chain free conveyancing. Ashford Kent is the location of the property. Can you offer any assistance?
Flying freeholds in Ashford Kent are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Ashford Kent you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ashford Kent may ascertain 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 property.
Frank (my husband) and I may need to rent out our Ashford Kent basement flat temporarily due to a new job. We used a Ashford Kent conveyancing firm in 2001 but they have closed and we did not have the foresight to get any advice as to whether the lease prohibits the subletting of the flat. How do we find out?
Notwithstanding that your last Ashford Kent conveyancing lawyer is no longer available you can check your lease to check if it allows you to sublet the property. The accepted inference is that if the deeds are non-specific, subletting is allowed. There may be a precondition that you must seek permission from your landlord or other appropriate person before subletting. The net result is you not allowed to sublet without first obtaining consent. The consent should not be unreasonably refused ore delayed. If your lease prohibits you from subletting the property you should ask your landlord if they are willing to waive this restriction.
Leasehold Conveyancing in Ashford Kent - Examples of Queries before Purchasing
Please inform me if there are any major works in the planning that will add a premium to the service costs? Please note if it is fewer than eighty years it will affect the value of the flat. It is worth checking with your bank that they are content with remaining years on the lease. A short lease means that you will almost definitely have to extend the lease at some point and you need to have some idea of how much this will be. For most Ashford Kentlease extensions you would be required to have been the owner of the residence for 24 months before you are eligible to exercise a lease extension. Does the lease have onerous restrictions?
Builders have recommended to me a property lawyer and I've sought an estimate from them. They are almost three hundred pounds less expensive than my preferred Ashford Kent property lawyer. What's the catch?
Developers frequently have panels of solicitors who expedite matters and who know the seller’s documentation and property lawyer. As many developers offer an inducement to select a preferred property lawyer for this reason, any increased cost can be avoided and a developer will not suggest a conveyancing factory and run the risk of having the conveyancing stall when they require an exchange inside a month. A counter-argument for not agreeing to use the recommended solicitor is that they may prove unwilling to fight for your interests for fear of upsetting the developer. Where you have concerns that this may be the situation you should stick with your local Ashford Kent property lawyer.