It has come to my attention via my estate agent that my Gillingham property lawyer is not on the lender Solicitor panel. How can I be certain whether this is indeed the case?
The first thing you need to do is to call your Gillingham lawyer directly. You lawyer should notify you what has happened. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your mortgage company.
My Solicitor in Gillingham is not listed on the Alliance & Leicester Solicitor Panel. Is it possible for me to continue with my prefered solicitor notwithstanding that they are excluded from the Alliance & Leicester approved list?
The limited options available to you here include:
- Complete the purchase with your existing Gillingham solicitors but Alliance & Leicester will need to retain a solicitor on their list of acceptable firms. This will inevitably rack up the overall conveyancing fees and result in delays.
- Get an alternative solicitor to act in the purchase, remembering to check they are Convince your lawyer to do everything within their powers to join the Alliance & Leicester conveyancing panel
Will our conveyancer be raising enquiries concerning flooding during the conveyancing in Gillingham.
Flooding is a growing risk for lawyers dealing with homes in Gillingham. Some people will acquire a property in Gillingham, fully aware that at some time, it may suffer from flooding. However, leaving to one side the physical damage, if a property is at risk of flooding, it may be difficult to obtain a mortgage, suitable building insurance, or sell the premises. Steps can be carried out as part of the conveyancing process to forewarn the buyer.
Solicitors are not qualified to impart advice on flood risk, however there are a number of searches that can be initiated by the buyer or on a buyer’s behalf which will figure out the risks in Gillingham. The conventional set of information given to a purchaser’s lawyer (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a standard question of the vendor to discover if the property has ever been flooded. If flooding has previously occurred and is not revealed by the owner, then a buyer could bring a legal claim for losses as a result of such an incorrect answer. The purchaser’s lawyers may also order an environmental search. This will indicate if there is any known flood risk. If so, additional investigations will need to be conducted.
The deeds to my house can not be found. The conveyancers who conducted the conveyancing in Gillingham 10 years ago have long since closed. What are my next steps?
Gone are the days when you need to have the physical official documentation to establish that you own the land or property, given that the Land Registry have everything they need in a digital format.
Just had an offer accepted on a new build flat in Gillingham. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Gillingham
-
Please provide evidence that the form of Lease proposed has been approved by the Land Registry. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. There must be mutual enforceability of lessee’s covenants.
I'm remortgaging my current property to a BTL loan with Coventry Building Society and I will use the rest of the raised equity as a deposit on another house. The location we are interested in is Gillingham. Will your solicitors be able to act for the two lenders and link together the transactions?
Do use our search tool on this page to check that the conveyancers are on the appropriate lender panels. Having checked that they are the conveyancer should be able to simultaneously deal with the two transactions but you should talk with you lawyer and communicate your desired outcome and needs.