It has come to my attention via my broker that my Ramsgate property lawyer is not on the mortgage company Conveyancing panel. What can I do to be certain if this is indeed the case?
The sensible course of action for you to take is to call your Ramsgate conveyancer. You lawyer should inform you what has happened. If they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your lender.
My wife and I are acquiring a newly constructed duplex in Ramsgate and my conveyancer is advising me that she is duty bound to the mortgage company to reveal incentives from the developer. I am on a tight deadline to exchange contracts and I have no desire to delay deal. is my lawyer playing by the book?
You should not exchange unless you have been advised to do so by your conveyancer. A precondition to being on a lender panel is to comply with the UK Finance Lenders’ Handbook requirements. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
We hope to to buy with Earl Shilton BS. I popped in a few high street solicitors yet am unable to find a Ramsgate conveyancing firm on the Earl Shilton BS panel. Can you help?
You should take advantage of the find a conveyancing panel solicitor tool on this site. Pick the building society and type Ramsgate or your preferred area and you will be presented with numerous solicitors offices in Ramsgate or nearest you.
My wife and I are selling our house in Ramsgate and the buyers lawyers are claiming that there is a risk of it being built on contaminated land. A local lawyer would know this is not the case. It does beg the question why the purchasers used a nationwide conveyancing outfit rather than a conveyancing solicitor in Ramsgate. We have lived in Ramsgate for 4 years we know that this is a non issue. Do we contact our local Authority to obtain confirmation that there is no issue.
It would appear that you have a conveyancing lawyer already. What do they say? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
I've recently found out that there is a flying freehold element on a house I put an offer in a fortnight ago in what should have been a quick, chain free conveyancing. Ramsgate is where the house is located. Can you shed any light on this issue?
Flying freeholds in Ramsgate are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Ramsgate you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ramsgate may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
Taking into account that I am about to spend over three hundred thousand on a garden flat in Ramsgate I wish to talk to a solicitor concerning theconveyancing in advance of appointing the firm. Can this be arranged?
This is something that we encourage - we would be pleased to talk to you we do not take any clients on without you first talking to the solicitor who will be carrying out your property ownership legalities in Ramsgate.There is no ‘factory style conveyancing’ - every client is unique person, not a file reference. The solicitors that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Ramsgate should be the amount on the final invoice that you are charged.