My husband and I are intent on buying a flat in Whitstable. My Solicitor is not on the lender solicitor panel. Is it possible for me to use my Whitstable conveyancing solicitor even though they are not on the lender list of approved lawyers?
Various options include
- Proceed with your existing Whitstable solicitor but your mortgage company will need to retain a solicitor from their conveyancing panel. The net result is additional fees together with probable delay.
- Get a new property lawyer to conduct the conveyancing, obviously checking they are on the lender conveyancing panel.
- Appeal to your lawyer to attempt to join the bank panel
We are about to exchange contracts for a garden flat in Whitstable. We encountered a snag. Our loan offer with Britannia runs out on 29/5/2025 but the owners are suggesting a completion date of 2/6/2025. Is it possible to extend the loan offer?
The person best placed to address this question is your solicitors who should determine whether they corresponding with the bank, seller’s solicitors, property agents or indeed all three based on the history of your transaction as of today.
I am the registered owner of a freehold house in Whitstable yet charged rent, why is this and what is this?
It is rare for properties in Whitstable and has limited impact for conveyancing in Whitstable but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the creation of fresh rentcharges from 1977 onwards.
Previous rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence post 2037 will be extinguished.
I have an AIP. The lender mentioned the loan came with free conveyancing. Does this mean I have to use their panel conveyancer as I would prefer to appoint a Whitstable based conveyancing firm?
You should check but the chances are that appoint one of their panel conveyancers where you take up the "fee-free" incentive. Speak to the mortgage company to check if they allow a monetary alternative. In the past a few mortgage companies offered a £250 cashback as an alternative in which case that money can go towards the cost for your conveyancing solicitor near Whitstable.
My partner and I are selling our house in Whitstable and the buyers lawyers are claiming that there is a possibility that the property was built land that was not decontaminated. A high street Whitstable lawyer would know this is not the case. It does beg the question why the buyers are using an online conveyancing practice rather than a conveyancing solicitor in Whitstable. Having lived in Whitstable for many years we know that this is a non issue. Should we get in touch with our local Authority to get 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 life insurance to cover that same illness)
Completion is due on the disposal of our £125,000 flat in Whitstable on Thursday in a week. The management company has quoted £372 for Certificate of Compliance, building insurance schedule and previous years statements of service charge. Is it legal for a freeholder to charge exorbitant fees for a flat conveyance in Whitstable?
For most leasehold sales in Whitstable conveyancing will involve, queries regarding the management of a building inevitably needing to be answered directly by the freeholder or its agent, this includes :
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Answering conveyancing due diligence questions
Where consent is required before sale in Whitstable
Copies of the building insurance and schedule
Deeds of covenant upon sale
Registering of the assignment of the change of lessee after a sale
Whitstable Conveyancing for Leasehold Flats - Examples of Questions you should consider Prior to buying
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Best to be warned whether redecorating or some other major work is coming up that will be shared by the tenants and may well dramatically increase the the service fees or result in a one off payment. How is the lease structured? The best form of lease arrangement is where the freehold reversion is in the ownership of the leaseholders. In this scenario the tenants benefit from control and notwithstanding that a managing agent is frequently employed if it is bigger than a house conversion, the managing agent employed by the leaseholders.