Find a Lender-Approved Local Conveyancer in Tonbridge

How up to date is your database of Tonbridge solicitors on the Virgin Money conveyancing panel? Do Virgin Money send you an updated list?

Tonbridge conveyancing firms themselves provide us confirmation that they are on the Virgin Money conveyancing panel as opposed to being supplied with a list from Virgin Money directly.

My home in Tonbridge is up for sale and I have accepted an offer. Will my conveyancer need to be required to be on the Coventry BS conveyancing panel in order to deal with repayment of my mortgage?

Ordinarily, even if your lawyer is not on the Coventry BS conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.

A relative advised me that where I am purchasing in Tonbridge I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

This is a search is sometimes quoted for as part of the standard Tonbridge conveyancing searches. It is a large document of about 40 pages, listing and detailing significant information about Tonbridge around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful data regarding Tonbridge.

Due to the advice of my in-laws I had a survey completed on a property in Tonbridge in advance of appointing solicitors. I have been told that there is a flying freehold overhang to the house. The surveyor advised that some banks tend refuse to give a loan on a flying freehold property.

It varies from the lender to lender. Bank of Scotland has different instructions from Nationwide. Should you wish to call us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Tonbridge. Conveyancing may be slightly more expensive based on your lender's requirements.

We're FTB’s - agreed a price, yet the property agent has warned us that the owners will only issue a contract if we instruct the agent's recommended solicitors as they need an ‘expedited deal’. My instinct tells me that we should use a high street solicitor used to conveyancing in Tonbridge

We suspect that the seller is not behind this request. Should the owner desire ‘a quick sale', taking such a hostile approach to a serious purchaser is counter productive. Speak to the owners direct and explain that (a)you are keen to buy (b)you are excited to move forward, with finances arranged © you are unencumbered (d) you wish to move quickly (e)however you will continue to instruct your own,trusted Tonbridge conveyancing lawyers - not the ones that will earn the estate agent a referral fee or achieve conveyancing thresholds pre-set by senior management.

All being well we will complete our sale of a £350,000 maisonette in Tonbridge in seven days. The landlords agents has quoted £336 for Certificate of Compliance, insurance certificate and 3 years statements of service charge. Is it legal for a freeholder to charge such fees for a leasehold conveyance in Tonbridge?

For most leasehold sales in Tonbridge conveyancing will involve, questions about the management of a building inevitably needing to be answered directly by the freeholder or its agent, this includes :

Completing pre-contract questions Where consent is required before sale in Tonbridge Copies of the building insurance and schedule Deeds of covenant upon sale Registering of the assignment of the change of lessee after a sale

Your solicitor will have no control over the level of the charges for this information but the average costs for the information for Tonbridge leasehold premises is £350. For Tonbridge conveyancing transactions it is customary for the seller to pay for these costs. The landlord or their agents are under no legal obligation to answer such questions most will be willing to do so - albeit often at exorbitant prices where the fees bear little relation to the work involved. Unfortunately there is no law that requires fixed charges for administrative tasks. Neither is there any legal time frame by which they are required to provide the information.

Tonbridge Leasehold Conveyancing - A selection of Queries before buying

What restrictions are contained in the Tonbridge Lease? How many of the leaseholders are in arrears for their service charge payments? It is important to be aware whether a new roof is being installed or some other significant cost is coming up to be shared by the tenants and will materially increase the the maintenance costs or necessitate a specific invoice.