I am not in a position to travel far from Chatham. Is there a reason why all Chatham solicitors aren't included on all bank panels?
Banks normally impose restrictions on either the nature or the number of conveyancing solicitors on their approved list of lawyers. Frequent examples of such restriction(s) being that the organisation must have two or more partners. As well as restricting the structure of firm, some banks such as HSBC decided to restrict the size of their panel they permit to act for them. You should note that mortgage companies have no accountability for the accuracy of conveyancing provided by any Chatham lawyer on their panel. Property fraud was the main trigger for the reduction of conveyancing panels a few years ago even though there are differing assessments about whether solicitors sat at the center of that fraud. Statistics published by HMLR exposes that thousands of law organisations only transact one or two conveyances a year. Those advocating conveyancing panel cuts ask why conveyancing firms should have the right to be on a conveyancing panel when clearly property law is not their speciality?
As someone unfamiliar with the Chatham conveyancing process what’s the number one tip you can give me for the legal transfer of property in Chatham
You may not hear this from too many lawyers but conveyancing in Chatham or throughout England and Wales is an adversarial experience. In other words, when it comes to conveyancing there exists plenty of opportunity for confrontation between you and others involved in the ownership transfer. For example, the vendor, estate agent and even potentially a lender. Selecting a lawyer for your conveyancing in Chatham is a critical decision as your conveyancer is your adviser, and is the SOLE person in the process whose role it is to act in your best interests and to keep you safe.
Every so often a potential adversary may attempt to persuade you that it is in your interests to do things their way. For instance, the selling agent may claim to be helping by claiming that your solicitor is dragging his heels. Or your financial adviser may advise you to do take action that is contrary to your conveyancers recommendation. You should always trust your lawyer above all other parties in the home moving process.
Will our solicitor be raising enquiries about flooding as part of the conveyancing in Chatham.
The risk of flooding is if increasing concern for lawyers specialising in conveyancing in Chatham. Plenty of people will buy a house in Chatham, completely expectant that at some time, it may suffer from flooding. However, aside from the physical damage, if a house is at risk of flooding, it may be difficult to obtain a mortgage, adequate building insurance, or dispose of the property. Steps can be carried out during the course of a property purchase to forewarn the buyer.
Conveyancers are not best placed to impart advice on flood risk, however there are a number of searches that may be undertaken by the buyer or on a buyer’s behalf which should figure out the risks in Chatham. The standard completed inquiry forms supplied to a purchaser’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) incorporates a standard question of the owner to find out if the property has ever been flooded. If the premises has been flooded in past which is not revealed by the owner, then a buyer could commence a legal claim for losses stemming from an misleading answer. A purchaser’s lawyers should also order an enviro search. This should higlight if there is any known flood risk. If so, more detailed investigations will need to be initiated.
Me and my brother have a renovated Edwardian house in Chatham. Conveyancing lawyer represented me and Barclays . I did a free Land Registry search last week and there are a couple of entries: the first freehold, the second leasehold with the matching property. If a house is not a freehold shouldn't I have been informed?
You need to read the Freehold register you have again and check the Charges Register for 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 Chatham and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the situation with your conveyancing solicitor who conducted the purchase.
What is different about your site and other internet conveyancing brokers for conveyancing in Chatham?
At this site secure a fixed fee quote via a Solicitor or Licensed Conveyancer that appreciates the issues of your conveyancing in Chatham. Unlike many estate agents and brokerage sites we are not in the business of charging firms a commission if you choose them for your home move in Chatham
My husband and I are novice buyers - agreed a price, but the selling agent told us that the owners will only issue a contract if we use their recommended lawyers as they need an ‘expedited deal’. My instinct tells me that we should use a family solicitor with experience of conveyancing in Chatham
It is highly unlikely the sellers are driving this. Should the seller want ‘a quick sale', alienating a motivated purchaser is not the way to achieve this. Contact the owners directly and make sure they understand (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you intend to proceed fast (e)however you intend to instruct your preferred Chatham conveyancing lawyers - not the ones that will earn the estate agent a introducer fee or achieve conveyancing figures set by HQ.