We just had an offer accepted to buy with Melton Mowbray Building Society. I dropped in 3 or 4 local practices yet cant to find a Aylesford conveyancing firm on the Melton Mowbray Building Society panel. Can you help?
You should make the most of the search tool on this site. Please choose the lender and type Aylesford or your location and you will be presented with a number of lawyer based in Aylesford or nearest you.
We are buying a 3 bedroom semi in Aylesford. The intention is to an extension at the rear at the property.Will legal investigations on the property involve investigations to determine if these alterations were previously refused?
Your solicitor should check the registered title as conveyancing in Aylesford will sometimes reveal restrictions in the title deeds which restrict certain works or need the permission of another owner. Some additions call for local authority planning permissions and approval in accordance building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor ahead of any purchase.
I happen to be the only recipient of my late grandmother’s estate with all property in now in my sole name, including the house in Aylesford. The Aylesford property was put into my name in August. I want to move. I do know about the Mortgage Lenders six month 'rule', which means that my proprietorship may be considered the same way as though I had purchased the house in August. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook obliges solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. How practical a view mortgage companies take of it, depend on the bank as this clause is primarily there to capture subsales or the quick reselling of property.
Having read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Aylesford solicitor - who is on the Clydesdale conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Clydesdale will need an independent valuation of the property. Your lawyer will not arrange this. Usually Clydesdale will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Aylesford postcode. As you are getting a mortgage with Clydesdale, you could contact them to see if they have a list of approved surveyors in Aylesford.
My wife and I are close to exchanging contracts on the sale of our home in Aylesford and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. A high street Aylesford lawyer would know that there is no such problem. For the life of me I don't know why the purchasers are using an online conveyancing firm rather than a conveyancing solicitor in Aylesford. Having lived in Aylesford for 5 years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to seek clarification that there is no issue.
It would appear that you have a conveyancing lawyer already. Are they able to advise? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)
I am buying a new build house in Aylesford with a mortgage from Chelsea Building Society. The builders refused to reduce the price so I negotiated 6k of additionals instead. The property agent told me not to tell my solicitor about this deal as it would adversely affect my loan with Chelsea Building Society. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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 opted to have a survey carried out on a property in Aylesford ahead of appointing conveyancers. I have been informed that there is a flying freehold element to the house. Our surveyor advised that some banks may refuse to grant a mortgage on a flying freehold home.
It depends who your proposed lender is. Santander has different requirements from Birmingham Midshires. If you contact us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Aylesford. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Aylesford to see if the conveyancing costs will increase in light of this.
I am downsizing from my property. My previous solicitors closed down. It would be helpful to have a recommendation of a conveyancing firm. Im based in Aylesford if that makes a difference.
Please use our search tool to help you choose a solicitor for your conveyancing in Aylesford. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes smoothly.