My IFA has requested my Orpington solicitor’s panel member for the Santander conveyancing panel. How do I discover this. I have contacted my local Orpington branch but they cant find it on their system.
You are best placed to get this information from your Orpington conveyancer . They keep a central record lender panel numbers.
We are a couple about to exchange contracts for a garden flat in Orpington. We have hit a snag. Our mortgage offer with The Mortgage Works runs out on 18/7/2022 but the owners are putting forward a completion date of 20/7/2022. Can one prolong the mortgage offer?
The person best placed to address this question is your conveyancer who is in a position to calculate if they better off negotiating with the lender, vendor’s lawyers, estate agents or possibly all parties given the history of your conveyancing as of today.
Our bank has recommended solicitors on their panel based in Orpington but I would rather instruct a conveyancing lawyer in Orpington or nearer to where I live. Are you able to assist?
The minority of Orpington conveyancing firms are on all banks conveyancing panel. Use our search tool to locate a Orpington conveyancing conveyancer on the on the lender panel.
How does conveyancing in Orpington differ for newly converted properties?
Most buyers of new build residence in Orpington come to us having been asked by the seller to sign contracts and commit to the purchase even before the residence is ready to move into. This is because house builders in Orpington usually purchase the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Orpington or who has acted in the same development.
Yesterday I discovered that there is a flying freehold element on a property I put an offer in two weeks back in what was supposed to be a straight forward, no chain conveyancing. Orpington is the location of the property. Can you shed any light on this issue?
Flying freeholds in Orpington are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Orpington 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 Orpington may ascertain 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.
As a leasehold owner I am on the hook for a service charge for my property in Orpington. As a result of personal circumstances I slipped behind with remittance. I negotiated a settlement plan but there remains three thousand pounds remaining to be paid.
I now wish to dispose of the property and I am panicking this can hold me back if I have to discharge the arrears now. Do I have to settle before - is this viable?
It would be wise to speak with the conveyancing practitioner conducting your Orpington conveyancing but it might be possible to agree for the debt to be passed to the purchasers. The contractual price due would be adjusted to reflect the amount of debt they take on. They would then discharge the arrears after completion of the purchase.