My partner’s step-father is a property lawyer. I hope that I'll be able to get mate’s rates for conveyancing, However if that does not come materialise, what level of fees would I typically be looking at for conveyancing in Tonbridge?
You should contrast pricing. Do use our comparison tool on this page. The charges seem to vary but service levels do differ between conveyancers as is true with most professions.
We're in Tonbridge, First time buyers purchasing with a mortgage (lender is Yorkshire BS , and our solicitor is on the Yorkshire BS conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Yorkshire BS conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no lawyer should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
I have a mortgage with Aldermore for my property in Tonbridge. Conveyancing was finalised a year ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Aldermore?
You must advise Aldermore before renting your property as this is likely to be a breach of Aldermore’s mortgage conditions. It may be that Aldermore will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Aldermore directly. It should not be necessary to do this via a Aldermore conveyancing panel firm.
Completion of my purchase has taken place for my property in Tonbridge. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I recently had an offer agreed on a house in Tonbridge. My financial adviser pressured me to appoint their solicitor. I paid an on account payment of £150. Shortly after, the lawyer called me sheepishly admitting that they were not on the Barclays conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Barclays panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I've recently found out that there is a flying freehold issue on a house I put an offer in a fortnight ago in what should have been a simple, no chain conveyancing. Tonbridge is the location of the property. Can you shed any light on this issue?
Flying freeholds in Tonbridge are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Tonbridge you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Tonbridge may decide 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.
Taking into account that I will soon part with 450k on a terraced house in Tonbridge I would like to have a conversation with the lawyer concerning thetransaction ahead of instructing the firm. Is this something that you can arrange?
We could not agree more - we would be happy to talk to you we do not take any clients on without you speaking to the lawyer who will be doing your property ownership legalities in Tonbridge.There is no ‘factory style conveyancing’ - each client is unique person, not a file reference. The law firms that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in Tonbridge should be the figure that you are charged.
Should I use a Tonbridge conveyancing lawyer based in the vicinity that I am buying? An old friend can handle the conveyancing however they are based over three hundred kilometers drive away.
The benefit of a high street Tonbridge conveyancing practice is that you can drop in to sign paperwork, present your identification documents and pester them where appropriate. They will also have local intelligence which is a bonus. However it's more important to get someone that will do a good and efficient job. If if people you trust instructed your friend and on the whole were impressed that must outweigh using an unknown Tonbridge conveyancing lawyer solely due to them being round the corner.