I understand that there are debates on Chancel Insurance on online forums. Am I compelled to have this when buying a property in Tonbridge? or I am told that there is a law dating back centuries that means some owners of property living in a parish church boundary may be liable to contribute towards repairs to the chancel within the church. Is this appropriate for conveyancing in Tonbridge?
Unless a prior acquisition of the house took place post 12 October 2013 you could assume that solicitors carrying out conveyancing in Tonbridge to remain encouraging a chancel search and or chancel repair liability insurance.
Despite weeks of looking the Title Certificate and documents to our house are lost. The solicitors who conducted the conveyancing in Tonbridge 4 years ago no longer exist. What are my options?
As long as you have a registered title the information relating to your proprietorship will be evidenced by the Land Registry with a Title Number. It is easy to perform a search at the Land Registry, find your house and order up to date copies of the property title for less than a fiver. If the property is Leasehold then the Land Registry will usually hold a file duplicate of the Registered Lease and again, a copy can be retrieved for a small fee.
How does conveyancing in Tonbridge differ for newly converted properties?
Most buyers of new build or newly converted property in Tonbridge approach us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is completed. This is because developers in Tonbridge usually acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Tonbridge or who has acted in the same development.
Due to the encouragement of my in-laws I had a survey completed on a property in Tonbridge prior to retaining conveyancers. I have been told that there is a flying freehold element to the house. The surveyor has said that some lenders will refuse to give a loan on a flying freehold property.
It depends who your proposed lender is. HSBC has different requirements from Nationwide. If you contact us we can check via the relevant 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.
We're novice buyers - agreed a price, but the agent informed us that the seller will only proceed if we instruct the agent's chosen conveyancers as they want an ‘expedited deal’. My instinct tells me that we should use a high street solicitor accustomed to conveyancing in Tonbridge
It is improbable the owners are driving this. Should the vendor desire ‘a quick sale', turning down a motivated purchaser is going to damage their objectives. Speak to the owners direct and explain that (a)you are serious purchasers (b)you are ready to progress, with finances arranged © you are unencumbered (d) you wish to move quickly (e)however you are going to use your own,trusted Tonbridge conveyancing firm - rather thanthose that will give the negotiator at the agency a referral fee or achieve conveyancing targets set by head office.
Can you provide any advice for leasehold conveyancing in Tonbridge with the purpose of saving time on the sale process?
- Much of the frustration in leasehold conveyancing in Tonbridge can be bypassed where you appoint lawyers the minute you market your property and request that they start to collate the leasehold documentation which will be required by the purchasers’ lawyers. If you have the benefit of shareholding in the freehold, you should make sure that you have the original share certificate. Organising a replacement share certificate is often a time consuming formality and slows down many a Tonbridge conveyancing deal. Where a reissued share is necessary, do contact the company officers or managing agents (if relevant) for this as soon as possible. If there is a history of conflict with your freeholder or managing agents it is essential that these are resolved prior to the flat being marketed. The purchasers and their solicitors will be reluctant to purchase a flat where a dispute is unsettled. You will have to accept that you will have to pay any arrears of service charge or resolve the dispute prior to completion of the sale. It is therefore preferable to have any dispute settled prior to the contract papers being issued to the buyers’ solicitors. You are still duty bound to disclose particulars of the dispute to the buyers, but it is clearly preferable to present the dispute as over as opposed to unresolved. The majority of freeholders or managing agents in Tonbridge levy fees for supplying management packs for a leasehold premises. You or your lawyers should discover the fee that they propose to charge. The management pack can be applied for on or before finding a buyer, thus reducing delays. The typical amount of time it takes to obtain the necessary information is three weeks. It is the most usual cause of frustration in leasehold conveyancing in Tonbridge.
Tonbridge Leasehold Conveyancing - Sample of Questions you should consider Prior to Purchasing
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Please inform me if there are any major works on the horizon that could add a premium to the service charges? Make sure you find out if there is anything that is prohibited in the lease. By way of example plenty of leases prohibit pets being allowed in certain buildings in Tonbridge. If you like the apartmentin Tonbridge but your dog is not allowed to live with you then you will be faced hard determination.