I sincerely hope you can help me. My Tonbridge conveyancer is assuring me that he has toorder Tonbridge conveyancing searches becausethe firm are on the Santanderapproved lawyer panel. Is my conveyancer correct?
You have limited options available to you. As you are obtaining a home loan with a mortgage company your solicitor has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your conveyancer would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the CML Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Tonbridge conveyancing searches.
I am buying a semi-detached house in Tonbridge. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Tonbridge you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Tonbridge.
Can I be sure that the Tonbridge conveyancing solicitor on the Bank of Ireland panel is any good?
When it comes to conveyancing in Tonbridge getting recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advise that you speak with the solicitor conducting your transaction.
We are getting a further advance on our home loan from Lloyds as we intend to carry out a loft conversion to our property in Tonbridge. Are we obliged to appoint a nearby Tonbridge solicitor on the Lloyds conveyancing panel to handle the legals?
Lloyds do not ordinarily instruct a member of their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Lloyds list.
I had a mortgage agreed in principle with Santander. Tonbridge conveyancing solicitors have been appointed. How long does it take for Santander to send the offer to the conveyancer?
There is no definitive answer here. Have Santander done the survey? Have you advised Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
We are purchasing a property and the conveyancer has identified Chancel Repair for which the property may be liable because it falls into the area of such a church. He has suggested insurance. Is this really warranted for conveyancing in Tonbridge
Unless a previous purchase of the property took place after 12 October 2013 you may assume that solicitors handling conveyancing in Tonbridge to remain encouraging a chancel search and or insurance against a claim.
I used Arc property Solicitors a few years ago for my conveyancing in Tonbridge. I now require my file however the law firm is no longer operating. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Tonbridge of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I have been on the look out for a ground for flat up to £245,000 and found one round the corner in Tonbridge I like with amenity areas and transport links in the vicinity, the downside is that it's only got 52 years unexpired on the lease. I can't really find anything else in Tonbridge for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?
Should you need a mortgage the remaining unexpired lease term will be problematic. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for at least 2 years you may request that they start the process of the extension and pass it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this.