We are aiming to move property in September. Will my conveyancing solicitor call the removal company on the completion day. On a separate note, can you suggest a removal company in Tonbridge. Conveyancing lawyer was organised before I stumbled across your site.
On the day of completion you can pick up the keys from your estate agent however this can only take place when the previous owners lawyers advise the agent that they have the completion monies and the keys can be collected. Subsequently you can inform the removal company that they can start moving you in. As a matter of policy we do not recommend a particular removal company but can assist you in finding a residential property solicitor in Tonbridge or a legal practice that specialises in conveyancing in Tonbridge.
I have today made my last payment due on my mortgage with Co-operative. I assume I don't need a Tonbridge lawyer on the Co-operative panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Co-operative mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Co-operative mortgage from the register. Co-operative, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Co-operative has sent the Land Registry the discharge electronically, and
- Co-operative has instructed the Land Registry to do so
It is not clear whether my mortgage offer requires a lease extension. I have called into my local Tonbridge building society branch on various occasions and was informed it wasn't a problem and they would lend. My Tonbridge conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned to say that they will not lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
As long as the solicitor is on the mortgage company panel, they must adhere to the Council of Mortgage Lenders’ Handbook conditions 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 remaining.
My relative suggested that where I am buying in Tonbridge I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is sometimes quoted for as part of the standard Tonbridge conveyancing searches. It is a large document of more than thirty pages, listing and setting out important information about Tonbridge around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Tonbridge Education with maps and statistics, Local Amenities and other useful data regarding Tonbridge.
Despite weeks of looking the Title Certificate and documents to my house are lost. The conveyancers who dealt with the conveyancing in Tonbridge 5 years ago no longer exist. What do I do?
These day there are copies made of almost everything, and your conveyancer should know exactly where to look for all the suitable documentation so you can purchase or dispose of your property without a hitch. If copies can’t be found, your conveyancer may be able to arrange cover in the form of insurance or indemnities against possible claims on your premises.
Due to the input of my in-laws I had a survey completed on a house in Tonbridge in advance of retaining conveyancers. I have been told that there is a flying freehold aspect to the house. My surveyor has said that some banks may refuse to give a loan on such a premises.
It varies from the lender to lender. Lloyds has different instructions from Birmingham Midshires. Should you wish to telephone us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Tonbridge. Conveyancing may be slightly more expensive based on your lender's requirements.
Taking into account that I am about to part with over three hundred thousand on a two bedroom apartment in Tonbridge I would like to have a conversation with the conveyancer about mytransaction before instructing the firm. Is this something that you can arrange?
We could not agree more - it is our preference to talk to you we do not take any clients on without you speaking to the lawyer due to be carrying out your property ownership legalities in Tonbridge.There is no ‘factory style conveyancing’ - each client is unique individual, not a case reference. The practices that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in Tonbridge should be the amount on the final invoice that you end up paying.
We are in the process of purchasing a house in Tonbridge. Could the property lawyer keep the amount we are are purchasing for private from sites such as Rightmove. How could this be achieved ?
HMLR by statute are required to disclose price sold data on the official title for residential properties nationwide including homes in Tonbridge. The Title Register is an open document, so the Land Registry would be breaking the law if they failed to grant access to the register.
In essence you can make a request of the Land Registry to withhold the price paid data but the answer will be a No.