Can your site be used to recommend a Conveyancing solicitor in Isle of Sheppey even where I’m not purchasing or disposing of a house, for instance if I wish to acquire an office in Isle of Sheppey with a mortgage from Bank of Ireland?
The service is primarily there to get a quote from residential conveyancing solicitors in Isle of Sheppey but we have listed towards the bottom of this page some Isle of Sheppey commercial conveyancing firms. You should speak with the firm directly to see if they can also act for Bank of Ireland
We had instructed conveyancers located in Isle of Sheppey on the Santander solicitor panel. They are now charging me a further fee for handling the Santander mortgage. Is this a supplemental conveyancing fee specified by Santander?
Unfortunately, as long as it is in their Terms and Conditions or estimate then yes your conveyancer is entitled to levy a fee for this. The fee is not set by Santander but by your Isle of Sheppey solicitor. Numerous firms on the Santander panel will quote an ‘acting for lender’ fee but plenty of practices include it on their overall fee.
I have decided to exercise my right to buy my property in Isle of Sheppey off the council. I have a mortgage offer with TSB. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with TSB, you will need to appoint a solicitor on the TSB conveyancing panel.
I currently have a mortgage with Aldermore for my property in Isle of Sheppey. Conveyancing has been completed months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Aldermore?
You must advise Aldermore prior to renting your property as this is likely to be a breach of Aldermore’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Aldermore directly. You need not do this via a Aldermore conveyancing panel firm.
I have been on the look out for a leasehold apartment up to £195,000 and identified one round the corner in Isle of Sheppey I like with open areas and station nearby, the downside is that it's only got 51 years unexpired on the lease. I can't really find anything else in Isle of Sheppey in this price bracket, so just wondered if I would be making a mistake acquiring a short lease?
Should you require a mortgage the shortness of the lease may be an issue. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the existing proprietor has owned the property for a minimum of twenty four months you could request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should consult your conveyancing lawyer about this.
As co-executor for the estate of my grandmother I am selling a residence in Neath but reside in Isle of Sheppey. My lawyer (approximately 250 miles awayneeds me to execute a statutory declaration before the transaction finalising. Can you recommend a conveyancing solicitor in Isle of Sheppey to attest this legal document for me?
Technically speaking you are unlikely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will suffice regardless of whether they are based in Isle of Sheppey
Last September I purchased a leasehold flat in Isle of Sheppey. Am I liable to pay service charges for periods before my ownership?
Where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Isle of Sheppey Conveyancing for Leasehold Flats - Sample of Questions you should ask Prior to buying
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How many years remain on the lease? What is the name of the managing agents?
Midway through the sale of a leasehold flat in Isle of Sheppey. Conveyancing solicitors are doing their job but we are being charged a fortune by the managing agents. So far we have paid £237 for a leasehold management information and then another £118 for supplemental queries raised by the purchaser's solicitor.
Neither you or your conveyancer will have any impact over the level of the fee for this information however the typical costs for the information for Isle of Sheppey leasehold property is £350. When it comes to Isle of Sheppey conveyancing deals it is customary for the owner to pay for these charges. The landlord or their agents are not duty bound to answer such questions although many will agree to do so - albeit often at exorbitant prices disproportionate to the work involved. Regretfully there is no statute that requires fixed charges for administrative tasks. There is no statutory time limit by which they are required to issue the information.