I plan on purchasing residence in Chislehurst. My lawyer has never been on on the mortgage company approved panel. Am I still permitted to continue with my Chislehurst conveyancing solicitor notwithstanding that they are excluded from the bank approved list?
Your options include
- Proceed with your preferred Chislehurst solicitor but your bank will undoubtedly instruct a conveyancing practitioner on their conveyancing panel. The net result is additional cost and potential frustration.
- Appoint a new property lawyer to conduct the conveyancing, making sure they are on the bank conveyancing panel.
- Convince your conveyancing practitioner to pull out all the stops to get accepted on the bank’s conveyancing panel
What does my ID and proof of funds have anything to do with my conveyancing in Chislehurst? What am I being asked for?
Anti-terror and anti-money-laundering regulations require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing instruction. The Terms and Conditions that you need to sign will no doubt confirm this. Your lender will also require certain documents to be viewed. If you refuse to provide ID verification documents, your lawyer can not take you on as a client.
I decided to have a survey done on a house in Chislehurst before retaining lawyers. I have been told that there is a flying freehold aspect to the house. Our surveyor advised that some mortgage companies may refuse to grant a mortgage on this type of home.
It varies from the lender to lender. HSBC has different instructions for example to Birmingham Midshires. Should you wish to call us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Chislehurst. Conveyancing may be slightly more expensive based on your lender's requirements.
Given that I will soon spend 450k on 3 bedroom house in Chislehurst I wish to talk to a lawyer regarding thetransaction before instructing the firm. Can this be arranged?
This is something that we recommend - it is our preference to talk to you we do not take any clients on without you speaking to the conveyancer who will be doing your property ownership legalities in Chislehurst.There is no ‘factory style conveyancing’ - each client is unique person, not a case reference. The practices that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Chislehurst should be the figure that you end up paying.
We're new on the property ladder - agreed a price, but the selling agent told us that the seller will only move forward if we instruct the agent's chosen lawyers as they want a ‘quick sale’. My instinct tells me that we should use a family conveyancer with experience of conveyancing in Chislehurst
It is unlikely the sellers are behind this. Should the owner desire ‘a quick sale', alienating a motivated buyer is likely to cause more damage than good. Avoid the agents and go straight to the owners and make the point that (a)you are motivated purchasers (b)you are ready to progress, with finances in place © you have nothing to sell (d) you intend to proceed fast (e)but you will continue to appoint your preferred Chislehurst conveyancing firm - not the ones that will give their negotiator at the agency a introducer fee or meet his conveyancing thresholds pre-set by HQ.
We are FTB’s just having agreed a price on a property in Chislehurst, and are about to get solicitors appointed. I have utilised the different rating tools and the fee estimates are from all over the England and Wales. Is it necessary to have a Chislehurst lawyer local to your potential house? We are willing to do all the communicating electronically, but I guess at some point we may need to physically go into the conveyancer's office to sign documents?
The solicitor does not have to be in Chislehurst, but choosing local means that you have the option to go in if needed, for instance, if a signature is needed urgently. Also, a Chislehurst solicitor have established relationships with local agents and (if the vendor has instructed a local solicitor) with them, which should help smooth the process.