Find a Lender-Approved Local Conveyancer in Kingston Vale

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Choosing the right solicitor is the most important decision when it comes to your Kingston Vale conveyancing

Top 5 reasons to use our service to help you find a high street conveyancing solicitor in Kingston Vale

  • 1 Kingston Vale property lawyers work in partnership with Kingston Vale estate agents, developers, surveyors, mortgage companies and other professionals to ensure that the highest level of service is provided to clients every step of the way, offering all the advice and support you need
  • 2 Kingston Vale conveyancers will acquainted with the local Land Registry Office, Local Authority and property agents
  • 3 You can gain comfort when you select the very best, most recommended conveyancing solicitors. Kingston Vale has a number to choose from, but for a truly professional and reliable service many local people have been use the recommendation of this site.
  • 4 Using a local Solicitor usually results in a more personalised service. When using a an online conveyancing factory, your transaction is dealt with by a team of people who check what is happening on the file by determining whether the ‘computers says no’.
  • 5 There is a distinct possibility the other side’s lawyers are based in Kingston Vale - if so sets of conveyancers are likely to be familiar

Examples of recent conveyancing in Kingston Vale since February 2022*

Recently asked questions about conveyancing in Kingston Vale

I am selling my maisonette in Kingston Vale and the EA has just text me to warn that the purchasers are swapping solicitor. The excuse is that the mortgage company will only engage with solicitors on their approved list. Why would a big named mortgage company only work with certain lawyers rather the firm that they want to select to handle their conveyancing in Kingston Vale ?

UK lenders have always had panels of law firms that can act for them, but in the last few years big names such as Yorkshire Building Society, have considered and reduced their conveyancing panel– in some cases removing conveyancing firms who have acted for them for decades.

Banks blame a rise in fraud by way of justification for the cull – criteria have been narrowed as a smaller panel is easier to oversee. Banks tend not to disclose how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is being contacted daily by practices that have been removed from panels. Plenty of firms do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyers' case. Your purchasers are unlikely to have any impact on this.

I have Fifty Six years unexpired on my lease and require a lease extension for my apartment in Kingston Vale. Conveyancing solicitors on the The Mortgage Works 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. The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 4/5/2022 the requirements read as follows :

Minimum unexpired lease term is 70 years with 30 years remaining at the end of the mortgage term.
Where the unexpired lease term is different to that recorded on the mortgage offer, the following clarifies if we need to be informed:

Second hand property:
- If the unexpired lease term on the offer is 85 years or more - only advise us if the actual lease term is less than 85 years
- if the unexpired lease term on the offer is less than 85 years – advise us if the actual lease term is different than reported
- For equity share applications - advise us if the actual lease term is different than reported on the offer

New build property:
- If the unexpired lease term stated on the offer is 125 years (flat) / 250 years (house) or more - only advise us if the actual lease term is less than 125 years (flat) / 250 years (house)
- For equity share applications - always advise us if the actual lease term is different than reported on the offer

Lease terms such as ground rent and event fees must be reasonable at all times during the term of the lease and adhere to our requirements below. If you’re unsure as to whether the terms of a lease are unreasonable or onerous, please refer the details to us in plain English for Valuer consideration. If the potentially onerous terms are in relation to the ground rent please include the current ground rent figure per annum, how often it will be reviewed and the price structure it will be reviewed against. See the guidance below.

SECOND HAND PROPERTIES

Unacceptable - advise Originations (Will be declined):
- Unexpired lease term less than 70 years
- Less than 30 years remaining at the end of the mortgage term
- Ground Rent greater than 0.5% of the property value
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI
- Ground Rent review period less than or equal to 5 years

Refer to Originations (Valuer will consider any impact on valuation figure and marketability):
- Unexpired lease term is 70 to 85 years
- Ground Rent greater than 0.1% and less than or equal to 0.5% of the property value
- Ground Rent escalation is linked to any indices greater than RPI
- Ground Rent escalation is linked to the value of the building*
- Ground Rent review period is greater than 5 and less than 10 years
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything that appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Originations):
- Unexpired lease term greater than 85 years
- Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than or equal to 10 years
- Ground Rent escalation less than or equal to RPI

NEW BUILD PROPERTIES (includes office conversions)

Unacceptable - advise Originations (Will be declined):
- Unexpired lease term less than 125 years on a new build flat or less than 250 years on a new build house
- Starting Ground Rent greater than 0.1% of the property value
- Ground Rent review period less than or equal to 5 years
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI

Refer to Originations (Valuer will consider any impact on valuation figure and marketability):
- Ground Rent is linked to any indices greater than RPI
- Ground Rent is linked to the value of the building*
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything else appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Originations):
- Unexpired lease term greater than or equal to 125 years on a new build flat or greater than or equal to 250 years on a new build house
- Starting Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than 5 years
- Ground Rent escalation less than or equal to RPI

* Where the Ground Rent escalation is linked to the value of the building, please provide the following:
- How is the value of the block/unit currently calculated and if the assessment relates to the block(s), how is the Ground Rent calculated/apportioned per property?
- The current valuation and Ground Rent for each unit
- What is the mechanism for future valuations of the block and how is the Ground Rent calculated/apportioned?
- What is the right of appeal? And is this a documented process within the lease?
- Who bears the cost of the valuation (and appeal) process?
- Confirmation the review period is not less than twenty years

I require fast conveyancing in Kingston Vale as I have a deadline to sign on the dotted line inside 4 weeks. Fortunately I do not require a mortgage. Is it possible to decline from having conveyancing searches to save fees and time?

If.Given you are not taking a home loan you have the choice not to do searches although no law firm would recommend that you don't. Drawing on our experience of conveyancing in Kingston Vale the following are instances of what can appear and therefore affect the marketability of the property: Enforcement Actions, Outstanding Fees, Outstanding Grants, Railway Schemes,...

I'm purchasing a new build house in Kingston Vale with a mortgage from Nationwide Building Society. The developers refused to reduce the price so I negotiated five thousand pounds worth of extras instead. The sale representative suggested that I not disclose to my lawyer about the deal as it would jeopardize my mortgage with Nationwide Building Society. Is this normal?.

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 was recommended by a number of estate agents in Kingston Vale to find a solicitor using your seach tool. Is there a financial incentive for Estate Agents to market your services rather than another?

We don’t offer any referral fee for pointing buyers and sellers our way. We thought it would be too underhand to pay a commission because members of the public would think, ‘How come the agent getting a kickback? Why am I not getting any benefit too?’ So we decided to step away from that.

Can you provide any advice for leasehold conveyancing in Kingston Vale from the perspective of expediting the sale process?

  • Much of the delay in leasehold conveyancing in Kingston Vale can be avoided where you instruct lawyers the minute you market your property and ask them to collate the leasehold information needed by the purchasers’ solicitors.
  • The majority of landlords or Management Companies in Kingston Vale charge for supplying management packs for a leasehold property. You or your lawyers should discover the actual amount of the charges. The management pack sought as soon as you have a buyer, thus reducing delays. The average time it takes to receive management information is three weeks. It is the most common reason for delay in leasehold conveyancing in Kingston Vale. If there is a history of conflict with your freeholder or managing agents it is essential that these are resolved before the property is marketed. The buyers and their solicitors will be warry about purchasing a property where there is an ongoing dispute. You may have to bite the bullet and discharge any arrears of service charge or resolve the dispute prior to completion of the sale. It is therefore preferable to have any dispute settled prior to the contract papers being issued to the buyers’ solicitors. You are still duty bound to disclose details of the dispute to the purchasers, but it is clearly preferable to present the dispute as historic rather than ongoing. Some Kingston Vale leases require Landlord’s consent to the sale and approval of the buyers. If this applies to your lease, you should notify your estate agents to make sure that the purchasers put in hand bank and professional references. The bank reference will need to confirm that the buyers are able to meet the annual service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the service charge figures so that they can pass this information on to the buyers or their solicitors.

I am the registered owner of a basement flat in Kingston Vale. Given that I can not reach agreement with the landlord, can the Leasehold valuation Tribunal make a decision on the amount payable for the purchase of the freehold?

Most certainly. We are happy to put you in touch with a Kingston Vale conveyancing firm who can help.

An example of a Freehold Enfranchisement matter before the tribunal for a Kingston Vale property is 19 St. Margarets Crescent in August 2010. the tribunal was of the view that the premium to be paid by the leaseholder for the freehold reversion was £51,983.00 This case related to 3 flats. The remaining number of years on the lease was 66.25 years.

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Sample of conveyancing solicitors in Kingston Vale regulated by the SRA

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

  • Pamela Clemo & Co, 146 Coombe Lane West, Kingston upon Thames, Surrey, KT2 7DE
  • C L Clemo & Co, 88 Copse Hill, London, SW20 0EF
  • Callaghan & Co, Coombe House, 118 Coombe Lane West, Kingston upon Thames, Greater London, KT2 7DD
  • Michael & Company, 75 Cottenham Park Road, London, SW20 0DR
  • Wsm (solicitors) Llp, Woodcock House, Gibbard Mews, 37-38 High Street, Wimbledon, London, SW19 5BY

Residential Landlord and Tenant Conveyancing solicitors in Kingston Vale

The list below is a non-comprehensive list of solicitors in Kingston Vale practicing in landlord and tenant law and on the regulations governing different types of tenancies. This may include advice on Claims for damages for illegal

  • C L Clemo & Co, 88 Copse Hill, London, SW20 0EF
  • Broome Palmer Solicitors, Eldon Park House, 43 Church Road, London, SW19 5DQ
  • Peacock & Co, 94 High Street, Wimbledon Village, London, SW19 5EG
  • Peace Farnell Limited, 9 Kingsmere Road, London, SW19 6PY
  • Pegasus Solicitors Limited, 60 High Street, New Malden, Surrey, KT3 4EZ

Residential Licensed Conveyancers in Kingston Vale regulated by the CLC

Please be aware that the listed conveyancers do not limit their work for conveyancing in Kingston Vale but also conveyancing throughout England and Wales.
  • Property Transfer Co-ordination Ptc, Corner House, KT1 2NR
  • Clay & Co Limited, First Floor, TW11 0HE
  • R & C Property Lawyers Llp, 10A Upper Tooting Road, SW17 7PG
  • J Scollan & Co Property Lawyers, First Floor Canal Court, TW8 8JA
  • Stratega Law Ltd, Bldg 3 Chiswick Park, W4 5YA

*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.