We are a couple about to exchange contracts for a ground floor flat in Dartford. We have hit a problem. Our loan offer with Virgin Money runs out on 5/11/2026 but the vendors are suggesting a completion date of 9/11/2026. Is it possible to extend the loan expiry date?
The person best placed to address this issue is your lawyer who should determine if he or she is better off negotiating with the mortgage broker, seller’s solicitors, selling agents or conceivably all parties given what has happend in your house move to date.
Can you explain why leasehold purchase conveyancing in Dartford is more expensive?
Dartford leasehold properties involve far more paperwork than a freehold purchase, and therefore takes more time to examine and advise upon.Conveyancing will involve the lease having to be checked which is usually a lengthy document, queries raised to ensure that the covenants and conditions have been observed. If it is a flat there will be a management company in existence and the accounts of this will need to be checked and enquiries raised to ensure it is operating efficiently and that all monies due have been paid by the Seller to the company and if not ensuring that money is paid up to date or the appropriate undertakings obtained.
We're in Dartford, First timers buying with a mortgage (lender is RBS , and our lawyer is on the RBS conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the RBS conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancing practitioner 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.
Can you help - my lawyer advises that absentee landlord insurance is needed on my purchase. What is the level of cover for Dartford conveyancing?
The right level of absentee landlord indemnity insurance should be dictated by who who your lender is. It would differ for example between National Westminster Bank and Norwich and Peterborough Building Society. Conveyancing practitioners as opposed to members of the public take out such policies.
My wife and I are in the throws of looking at flats in Dartford and I am about to put in an offer. Should I already have a property lawyer appointed at this point? I will be getting a mortgage with Nationwide.
It would be sensible to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the selling agent. Given that you are obtaining a mortgage with Nationwide, make sure you remember to check that your lawyer is on the Nationwide conveyancing panel.
Having read lots of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Dartford solicitor - who is on the Nationwide conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Nationwide will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nationwide 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 solicitor 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 Dartford postcode. As you are getting a mortgage with Nationwide, you could contact them to see if they have a list of approved surveyors in Dartford.
I got the keys to my house on 2 October and the transaction details is not yet on the land registry website. Need I be worried? My conveyancing solicitor in Dartford said it would be recorded in less than a month. Are titles in Dartford uniquely lengthy to register?
There is nothing unique when it comes to conveyancing in Dartford registration formalities. As opposed to being determined by geographic area, timeframes can vary according to the party submitting the application, whether there are errors and if the Land registry must send notices to any other persons or bodies. As of today approximately 80% of such applications are fully addressed in less than three weeks but occasionally there can be extensive hold-ups. Registration occurs after the purchaser has moved in to the property thus an expedited registration is not typically primary concern yet where it is urgent that the the registration takes place urgently then you or your solicitor can communicate with the Registry to express the reasoning for an expedited registration.
I am looking for Dartford competitive conveyancing fees. Can I be confident that all the Dartford firms that are listed on your site are on the mortgage company conveyancing panel?
The law firms on our directory have assured us via an online form that they are on the mortgage company panel and agreed to advise us to take down their listing in the event of removal off of the bank panel. To date we have not been informed by either a mortgage company or a member of the public that the data about a specific Dartford conveyancing solicitor being on the lender conveyancing panel is not accurate.