I have given 2 months notice to my current landlord and must leave my rented property in Ramsgate by the end of next month. Conveyancing for my house purchase is underway. Can I complete in six weeks as don't want to have to find short term accommodation?
It is unwise to give notice on a rental until exchange of contracts has taken place. If you have not already done so, notify to your conveyancer and request that they seek the assistance the sellers side, try to a target completion date that everyone will aim to achieve
We are buying a house in Ramsgate. I might seem paranoid but how we can trust a solicitor? At some point we will need to send our life savings into their account. What protection do we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
My wife and I buying a detached bungalow in Ramsgate. Our aim is to convert the garage to an office at the property.Will legal work on the property involve investigations to see if these works are allowed?
Your solicitor should check the deeds as conveyancing in Ramsgate will occasionally reveal restrictions in the title deeds which prevent categories of works or require the permission of a 3rd party. Certain extensions need local authority planning consent and approval under the building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor prior to committing yourself to a purchase.
I have a mortgage with Kent Reliance for my property in Ramsgate. Conveyancing has been completed months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Kent Reliance?
You must advise Kent Reliance before renting your property as this is likely to be a breach of Kent Reliance’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 Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel lawyer.
I have been told that property searches are the number one cause of delay in Ramsgate house deals. Is this right?
The Council of Property Search Organisations (CoPSO) released findings of research by MoveWithUs that conveyancing searches do not figure amongst the most frequent causes of hindrances during the legal transfer of property. Searches are unlikely to feature in any holding up conveyancing in Ramsgate.
I am looking for a leasehold apartment up to £305k and found one near me in Ramsgate I like with a park and transport links nearby, the downside is that it only has 61 remaining years left on the lease. I can't really find anything else in Ramsgate suitable, so just wondered if I would be making a mistake acquiring a short lease?
If you need a mortgage the remaining unexpired lease term will likely be an issue. Reduce the offer by the expected lease extension will cost if not already taken into account. If the current owner has owned the premises for a minimum of twenty four months you could ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this.
How easy is it to switch firm as I have to choose one who is on the Birmingham Midshires conveyancing list. I was using a high street conveyancing solicitor in Ramsgate round the corner but he is not approved by Birmingham Midshires
We will our best to assist in finding you a conveyancing solicitor in Ramsgate on the Birmingham Midshires panel. Please note that the property lawyers that we list do not pay us commission if you instruct them and are regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Ramsgate. Using the find a conveyancing solicitor tool on this website, you can contrast charges for conveyancing solicitors in Ramsgate and throughout England and Wales.
My husband and I are 14 days into a leasehold purchase having been recommend to a firm by the local agent to perform conveyancing in Ramsgate. I am am starting to be frustrated with the quality of service. Could you help me find new lawyers?
A solicitor would need to be very bad in order to consider replacing them. Has the loan offer been generated? If so you need to inform them of the new solicitor and have the offer are issued to the new lawyers. The solicitor ideally needs to be on the mortgage company approved list to avoid escalating costs and frustration. That should be your first question of the new lawyers. The find a solicitor tool can help you find a lender approved lawyer for your conveyancing in Ramsgate