We are about to exchange contracts for a ground floor flat in Sittingbourne. We encountered a stumbling block. Our loan offer with Norwich and Peterborough Building Society expires on 14/9/2026 but the owners are insisting on a completion date of 16/9/2026. Is it possible to prolong the mortgage expiry date?
The best person to address this concern is your conveyancer who is in a position to assess whether they corresponding with the mortgage broker, owner’s lawyers, property agents or conceivably all three based on the circumstances your conveyancing as of today.
We were going to get a OIP from Leeds Building Society this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Leeds Building Society recommend any Sittingbourne solicitors on the Leeds Building Society conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Sittingbourne solicitors independently although you'll need to choose one on the Leeds Building Society conveyancing panel. The solicitor represents both you and Leeds Building Society through the process.
I have decided to exercise my right to buy my property in Sittingbourne off the council. I have a mortgage agreed with Leeds Building Society. 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 Leeds Building Society, you will need to appoint a solicitor on the Leeds Building Society conveyancing panel.
Intending to buy a maisonette in Sittingbourne. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the HSBC conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Sittingbourne lawyer is on the HSBC conveyancing panel.
I need some expedited conveyancing in Sittingbourne as I have an ultimatum to exchange contracts in less than 4 weeks. Fortunately I do not need a mortgage. Is it possible to escape the need for conveyancing searches to save fees and time?
If.Given you are are a cash purchaser you have the choice not to have searches carried out although no conveyancer would suggest that you don't. With plenty of history conveyancing in Sittingbourne the following are examples of what can show up and adversely impact future saleability: Refused Planning Applications, Overdue Fees, Outstanding Grants, Unadopted Roads,...
I decided to have a survey carried out on a property in Sittingbourne before retaining conveyancers. I have been told that there is a flying freehold element to the property. Our surveyor has said that some banks tend refuse to grant a mortgage on this type of house.
It depends who your proposed lender is. HSBC has different requirements from Nationwide. Should you wish to telephone us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Sittingbourne. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Sittingbourne to see if the conveyancing costs will increase in light of this.
I am thinking of appointing a conveyancing solicitor in Sittingbourne for my house move. Is there any facility to review a firm’s record with the profession’s regulator?
Members of the public may review published Solicitor Regulator Association (SRA) decisions resulting from inquisitions from 2008 onwards. Visit Check a solicitor's record. For details about the period before 1 January 2008, or to check a solicitors history, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, dial +44 (0)121 329 6800. The SRA could monitor call for training reasons.
My partner and I may need to let out our Sittingbourne garden flat temporarily due to a career opportunity. We instructed a Sittingbourne conveyancing firm in 2003 but they have since shut and we did not have the foresight to get any advice as to whether the lease prohibits the subletting of the flat. How do we find out?
Notwithstanding that your previous Sittingbourne conveyancing solicitor is no longer available you can review your lease to see if you are permitted to let out the premises. The accepted inference is that if the lease is silent, subletting is permitted. Quite often there is a prerequisite that you are obliged to obtain consent from your landlord or some other party prior to subletting. The net result is that you cannot sublet without first obtaining consent. Such consent must not not be unreasonably withheld. If your lease does not allow you to sublet you should ask your landlord if they are willing to waive this restriction.
Sittingbourne Conveyancing for Leasehold Flats - Sample of Questions you should consider before Purchasing
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The best form of lease structure is a share of the freehold. In this scenario the lessees have control and although a managing agent is frequently employed where the building is larger than a house conversion, the managing agent employed by the leaseholders. You will want to find out as much as possible concerning the managing agents as they will impact your use and enjoyment of the property. Being a leasehold owner you are often in the clutches of the managing agents both financially and when it comes to every day issues such as the tidiness of the common parts. Don't be afraid to ask other people if they are happy with them. In conclusion, find out the dates that you are obliged pay the maintenance charge to the managing agents and precisely how they are spending the funds. Is the freehold owned jointly by the leaseholders?