The loan agreement from HSBC for the remortgage of my 4 bedroom garden flat is due within the next few days. Can you suggest a cheap conveyancing lawyer in Canterbury?
You are on the wrong site if you are in need of a cheap conveyancing in Canterbury. Our aim is to provide cost effective conveyancing but our intention is not to work with the cheapest lawyers. Do not be fooled by organisations offering ninety nine pound conveyancing in Canterbury. At best, in going for cheap conveyancing, you will get your money’s worth and at worst it will result in you spending a lot in additional fees and still not end up with the service you were looking for.
Are the Canterbury conveyancing solicitors identified as being on the Lloyds conveyancing panel, together with their details provided by Lloyds?
Canterbury conveyancing firms themselves provide us confirmation that they are on the Lloyds conveyancing panel as opposed to being supplied with a list from Lloyds directly.
I am buying a property and need a conveyancing solicitor in Canterbury who is on the Skipton Building Society approved. Can you recommend a local solicitor?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Skipton Building Society in certain locations such as Canterbury. We dont recommend any particular firm.
This question may be naive but I am new to the home buying as FTB of a two bedroom flat in Canterbury. Do I collect the keys to the premises on completion from my conveyancer? If so, I will use a local conveyancing solicitor in Canterbury?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will arrange to send the purchase money to the seller's conveyancers, and once they have received this, you will be able to pick up the keys from the Estate Agents and start moving into the property. Usually this happens between 1 and 3pm.
Can you help - my lawyer says that lack of right of way insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Canterbury?
The right level of lack of right of way indemnity insurance should be dictated by who your lender. It would differ for example between National Westminster Bank and The Royal Bank of Scotland. Conveyancing lawyers as opposed to members of the public take out such insurances.
I can not work out if my bank requires a lease extension. I have called into my local Canterbury bank branch on a couple of occasions and was told they are content with the situation and they will lend. My Canterbury conveyancing solicitor - who is on the bank conveyancing panel- called and was told they would not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. I have no idea who is right.
Your conveyancer must follow the CML Handbook Part 2 conditions for your bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.
I am looking for a flat up to £245,000 and found one near me in Canterbury I like with open areas and railway links in the vicinity, however it's only got 51 years on the lease. I can't really find anything else in Canterbury suitable, so just wondered if I would be making a mistake acquiring a lease with such few years left?
Should you need a home loan that many years will likely be a potential deal breaker. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for a minimum of 2 years you can ask them to start the process of the extension and then assign it to you. You can add 90 years to the current lease with a zero ground rent applied. You should consult your conveyancing solicitor concerning this.
I need to instruct a conveyancing solicitor for leasehold conveyancing in Canterbury. I've discover a site which looks to be the perfect answer If it is possible to get all the legals completed via email that would be ideal. Do I need to be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?