IfI were to purchase a straightforward homein West Malling mortgage fee and have no survey and no conveyancing searches how much should I expect to have to pay for conveyancing in West Malling?
Any savings you would make would be isolated to the costs for searches. Your conveyancing practitioner still got to do everything else - money laundering, communicating with the sellers lawyer, stamp duty submission, register the title etc. A marginal saving might be made by not needing to register a charge but it will not be a lot.
Having sold my house in West Malling last July but our buyer keeps texting daily complaining that his solicitor is waiting to hear from mine. What should my lawyer have done now that I have sold?
Following your sale your lawyer is duty bound to send the transfer deeds and all additional paperwork to the buyer’s lawyers. Depending on the transaction, your conveyancer must also evidence that the legal charge in favour of the lender has been discharged to the purchasers lawyers. There is unlikely to be post completion procedures just for conveyancing in West Malling.
Me and my brother have a semi-detached Georgian property in West Malling. Conveyancing solicitor represented me and Leeds Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold under the matching property. I'd like to know for sure, how can I find out??
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in West Malling and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with your conveyancing practitioner who conducted the purchase.
I'm purchasing a new build house in West Malling benefiting from help to buy. The developers would not budge the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent advised me not disclose to my conveyancer about the extras as it will jeopardize my mortgage with the lender. Should I keep quiet?.
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.
Over the last few months I have been searching for a leasehold apartment up to £235,500 and found one close by in West Malling I like with a park and railway links nearby, however it only has 61 years on the lease. I can't really find anything else in West Malling suitable, so just wondered if I would be making a mistake acquiring a lease with such few years left?
Should you need a home loan that many years will be a potential deal breaker. Discount the price by the expected lease extension will cost if not already taken into account. If the current proprietor has owned the premises for at least twenty four months you could request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should speak to your conveyancing lawyer about this.
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