Find a Lender-Approved Local Conveyancer in Chatham

Ready to buy a new home? Find a law firm approved by your lender.

You can try and find the cheapest conveyancing solicitors in Chatham but be careful as you may get what you pay for.

Chatham Conveyancing Statistics*

  • 1 91 is the median number of years remaining on leases in Chatham
  • 2 The most common indemnity insurance policies for Chatham conveyancing is Chancel
  • 3 Average time from start to completion was 47 days for conveyancing in Chatham
  • 4 February was the busiest month and January was the next busiest month while March was the least busiest month of the year for conveyancing in Chatham
  • 5 Average Land Registry Fee for this year to date was £270

Examples of recent conveyancing in Chatham since July 2020*

Recently asked questions about conveyancing in Chatham

I have 7378 less than 75 years remaining on my lease and require a lease extension for my apartment in Chatham. Conveyancing solicitors on the Accord Mortgages panel can deal with such extensions right?

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 17/10/2020 the requirements read as follows :

85 years from the date of completion of the mortgage. Please ensure that you explain the implications of a short term lease to the borrower.

When it comes to lenders such as RBS, do Chatham lawyers incur a yearly amount to be on the conveyancing panel?

We are not aware of any lender fees to be on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel application.

We were going to get a AIP from TSB this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do TSB recommend any Chatham solicitors on the TSB conveyancing panel, or is it better to go independently?

You will need to appoint Chatham solicitors independently although you'll need to choose one on the TSB conveyancing panel. The solicitor represents both you and TSB through the process.

I am currently in the process of buying my council flat in Chatham. I have a mortgage offer with Coventry BS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.

I am looking for a leasehold apartment up to £195,000 and found one near me in Chatham I like with amenity areas and station in the vicinity, however it only has 52 years unexpired on the lease. There is not much else in Chatham suitable, so just wondered if I would be making a mistake purchasing a short lease?

Should you need a home loan the shortness of the lease will likely be problematic. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for at least twenty four months you may ask them to start the process of the extension and pass it to you. You can add 90 years to the existing lease term with a zero ground rent applied. You should consult your conveyancing solicitor regarding this matter.

I am selling my house. My former lawyers closed down. It would be helpful to have a recommendation of a conveyancing firm. I happen to live in Chatham if that makes things easier.

Do use our search tool to help you find a solicitor for your conveyancing in Chatham. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes smoothly.

What makes a Chatham lease defective?

Leasehold conveyancing in Chatham is not unique. Most leases are individual and drafting errors can result in certain clauses are not included. For example, if your lease is missing any of the following, it could be defective:

    Insurance obligations Maintenance charge proportions which don’t add up to the correct percentage

A defective lease can cause issues when trying to sell a property as they can affect a potential buyer’s ability to obtain a mortgage. Halifax, Virgin Money, and Barclays Direct all have very detailed requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease does not cover certain provisions they may refuse to provide security, obliging the purchaser to pull out.

I acquired a 2 bed flat in Chatham, conveyancing having been completed January 1999. How much will my lease extension cost? Equivalent properties in Chatham with an extended lease are worth £222,000. The ground rent is £50 yearly. The lease runs out on 21st October 2090

With just 70 years unexpired we estimate the premium for your lease extension to span between £9,500 and £11,000 as well as professional fees.

The figure above a general guide to costs for extending a lease, but we are not able to provide the actual costs in the absence of comprehensive due diligence. Do not use this information in a Notice of Claim or as an informal offer. There are no doubt additional issues that need to be taken into account and clearly you should be as accurate as possible in your negotiations. Please do not take any other action placing reliance on this information before seeking the advice of a professional.

I am hoping to put an offer on a small detached house that appears to tick a lot of boxes, at a great price which is making it all the more appealing. I have since found out that it's a leasehold as opposed to freehold. I would have thought that there are issues purchasing a house with a leasehold title in Chatham. Conveyancing lawyers have not yet been instructed. Will my lawyers set out the implications of buying a leasehold house in Chatham ?

Most houses in Chatham are freehold rather than leasehold. In this scenario it’s worth having a local conveyancer used to dealing with such properties who can assist with the conveyancing process. It is clear that you are buying in Chatham in which case you should be shopping around for a Chatham conveyancing solicitor and be sure that they have experience in dealing with leasehold houses. First you will need to check the unexpired lease term. As a tenant you will not be entirely free to do whatever you want to the property. The lease comes with conditions for example requiring the landlord’sconsent to conduct changes to the property. It may be necessary to pay a contribution towards the upkeep of the estate where the house is part of an estate. Your lawyer will report to you on the legal implications.

Last updated

Sample of conveyancing solicitors in Chatham regulated by the SRA

It is important to note that the listed firms do not limit their work for conveyancing in Chatham but also conveyancing throughout England and Wales.

  • Stephens & Son Llp, Rome House, 41 Railway Street, Chatham, Kent, ME4 4RP
  • Winch & Winch, 5 New Road Avenue, Chatham, Kent, ME4 6AR
  • Dakers Marriott Dugdale Limited, Unit 3 Exeter House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FE
  • Hawkridge & Company Llp, 39 Canterbury Street, Gillingham, Kent, ME7 5TR
  • Bassets, 156 High Street, Rochester, Kent, ME1 1ET

Residential Landlord and Tenant Conveyancing solicitors in Chatham

The firms listed below are a non-comprehensive list of solicitors in Chatham practicing in landlord and tenant law and on the regulations governing different types of tenancies. This will likely include advice on Leasehold Valuation Tribunal proceedings

  • Stephens & Son Llp, Rome House, 41 Railway Street, Chatham, Kent, ME4 4RP
  • Winch & Winch, 5 New Road Avenue, Chatham, Kent, ME4 6AR
  • Dakers Marriott Dugdale Limited, Unit 3 Exeter House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FE
  • Hawkridge & Company Llp, 39 Canterbury Street, Gillingham, Kent, ME7 5TR
  • Bassets, 156 High Street, Rochester, Kent, ME1 1ET

Commercial Conveyancing solicitors in Chatham regulated by the SRA

The firms listed below are a non-comprehensive list of solicitors in Chatham practicing in commercial conveyancing in Chatham. This could include advice on complex issues under the Landlord and Tenant Act of 1954
  • J N Jones Solicitors, 1 Cambridge Terrace, Cambridge House Business Centre, Chatham, Kent, ME4 4RG
  • Stephens & Son Llp, Rome House, 41 Railway Street, Chatham, Kent, ME4 4RP
  • The Kingsley Smith Trustee Company, 81 High Street, Chatham, Kent, ME4 4EE
  • Kingsley Smith Solicitors Llp, 81 High Street, Chatham, Kent, ME4 4EE
  • Winch & Winch, 5 New Road Avenue, Chatham, Kent, ME4 6AR

*Source acknowledgement: House price data produced by Land Registry as well data supplied by Lexsure Ltd.

© Crown copyright material is reproduced with the permission of Land Registry under delegated authority from the Controller of HMSO.