I am remortgaging my house in Maidstone, does my lawyer need to be on the Skipton Solicitor panel?
In theory, you could use a solicitor that is not on the Skipton conveyancing panel, but Skipton would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
I can not work out if my bank requires a lease extension. I have called my Maidstone building society branch on a couple of occasions and was informed it wasn't a problem and they will lend. My Maidstone conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they refuse to lend based on their specific requirements. I simply don't know who is right.
Provided that the conveyancing practitioner is on the mortgage company panel, she or he must adhere to the CML Handbook requirements for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
My offer was accepted on an apartment in Maidstone on 4/9/2025, valuation was booked 4 days after, all came back fine. Solicitor appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Barclays and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Barclays conveyancing panel. Are Barclays entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.
Virgin Money have agreed my mortgage in principle, my offer on a apartment in Maidstone has been agreed to, now what?
Your estate agent will wish to know who your solicitors are (ensure that the conveyancers are on the bank’s approved list). Contact Virgin Money or your broker and finish off any appropriate paperwork. Virgin Money will appoint a valuer who will get in touch with the estate agent or owners to book a slot for the valuation to happen. Once carried out (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Virgin Money will issue the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Maidstone.
4 months have elapsed since my purchase conveyancing in Maidstone took place. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
Due to the guidance of my in-laws I had a survey completed on a property in Maidstone ahead of retaining solicitors. I have been advised that there is a flying freehold element to the property. The surveyor advised that some lenders tend not grant a mortgage on a flying freehold home.
It varies from the lender to lender. HSBC has different requirements for example to Nationwide. If you e-mail us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Maidstone. Conveyancing may be slightly more expensive based on your lender's requirements.
I am using a search engine for the term cheap conveyancing in Maidstone it brings up numerous solicitorsin the area. How do I determine which is the right conveyancer for the sale of my house?
The preferential method of finding a suitable conveyancer is via personal testimonial, so enquire of colleagues and those you trust who have acquired a property in Maidstone or a reputable estate agent or mortgage broker. Charges for conveyancing in Maidstone vary, so it's sensible to obtain a minimum of four estimates from varying types of solicitors. Be sure to obtain confirmation that the charges are guaranteed not to increase.
My offer on property in Maidstone was agreed to, the vendor does however have a tied purchase. The vendors have offered on on an apartment, although it’s not been accepted yet, and are looking at other apartments in the pipeline. I have chosen a nearby conveyancing lawyer in Maidstone. What do I do now? At what point should I apply for the mortgage with Nottingham?
It is usual to have concerns where there is an associated chain given your reluctance to incur expenses too early (home loan application is in the region of £1k, then valuation, Maidstone conveyancing search fees, etc). First, you must check that your solicitor is on the Nottingham approved list. Concerning the subsequent stages this very much dictated by the uniqueness of your case, desire for the property and on the state of the market. During a hot market many buyers would apply for a home loan with Nottingham and pay for the survey and only if it comes back ok would they pay their solicitor to proceed with the conveyancing in Maidstone.