Our mortgage company has suggested solicitors on their panel based in Chatham but I would rather instruct a conveyancing lawyer in Chatham or nearer to where I live. Can you assist?
It is by no means the case that all Chatham conveyancing firms are approved and listed on all banks conveyancing panel. Use the above search tool to find a Chatham conveyancing solicitor on the on the mortgage company panel.
I'm purchasing my first flat in Chatham benefiting from help to buy. The builders would not budge the price so I negotiated five thousand pounds worth of additionals instead. The house builders rep suggested that I not disclose to my conveyancer about this deal as it could adversely affect my loan with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I've recently found out that there is a flying freehold element on a property I have offered on a fortnight ago in what was supposed to be a simple, chain free conveyancing. Chatham is the location of the property. Can you shed any light on this issue?
Flying freeholds in Chatham are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Chatham you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chatham may determine 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 residence.
What makes your site different to other web based conveyancing solicitors when it comes to conveyancing in Chatham?
At this site secure a fixed fee costs illustration from a Solicitor or Licensed Conveyancer that understands the nuances of your conveyancing in Chatham. As opposed to estate agents and many comparison sites we do not operate referral arrangements with solicitors. A large number of agents and online brokers 'recommend' solicitors that pays the most kickback, rather than the best value conveyancing in Chatham
My husband and I are novice buyers - had an offer accepted, but the property agent informed us that the owners will only proceed if we appoint the agent's recommended solicitors as they need a ‘quick sale’. My instinct tells me that we should use a family solicitor used to conveyancing in Chatham
We suspect that the owner is unaware of this ultimatum. If they want ‘a quick sale', alienating a serious buyer is is going to put the whole deal at risk. Contact the sellers directly and make sure they understand (a)you are genuine purchasers (b)you are excited to move forward, with mortgage lined up © you do not need to sell (d) you intend to proceed fast (e)but you are going to instruct your preferred Chatham conveyancing firm - as opposed tothe ones that will give the estate agent a referral fee or meet his conveyancing figures demanded by head office.
We are thinking of instructing a web based lawyer as opposed to a Chatham conveyancing firm. Any advice?
Advantages do exist in having the opportunity to attend a local Chatham conveyancing solicitor such as
- signing papers and and when necessary
- sometimes being able to see someone face-to-face can make a huge difference, particularly for more complex transactions
- the ability to complain if matters need to addressed
When comparing quotes, look out for hidden extras. The majority decent Chatham high street solicitors give an all-inclusive price. Many online agents appear to offer discounted fees, but have hidden 'extras' in the fine print.