We hope to to buy with Darlington Building Society. I visited a couple of local solicitors but am unable to find a Dover conveyancing firm on the Darlington Building Society approved list. Please you assist?

You should take advantage of the search tool on this page. Please choose the lender and type Dover or your location and you will discover a number of lawyer located in Dover or by proximity to you.

I am buying my first flat in Dover benefiting from help to buy. The builders would not reduce the amount so I negotiated 6k of additionals instead. The estate agent advised me not reveal to my conveyancer about this side-deal as it will jeopardize my mortgage with Bank of Scotland. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what was supposed to be a quick, no chain conveyancing. Dover is the location of the property. Can you shed any light on this issue?

Flying freeholds in Dover are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Dover you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Dover may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

Am I right to be concerned that estate agents that I am dealing with are suggesting an internet conveyancing firm rather than a local Dover conveyancing practice?

As with lots of service providers, often referrals from family and friends can be worth their weight in gold. Yet there are many people with a vested interest in a conveyancing matter; estate agents, financial adviser and lenders may recommend lawyers to use. On occasion these conveyancers might be known to one of the organisations as one of the best in their field, but occasionally there may be a financial incentive behind the recommendation. You have the right to select your preferred conveyancer. You need to be aware that some lenders specify a panel list of conveyancers you have to use for the mortgage aspect of your house move.

In relation to leasehold conveyancing in Dover what are the most frequent lease defects?

Leasehold conveyancing in Dover is not unique. Most leases are individual and legal mistakes in the legal wording can sometimes mean that certain clauses are wrong. For example, if your lease is missing any of the following, it could be defective:

Insurance obligations Clauses dealing with recovering service charges for expenditure on the building or common parts.

A defective lease will likely cause problems when trying to sell a property primarily because it impacts on the ability to obtain a mortgage on the property. Barclays , Barnsley Building Society, and TSB all have express requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease does not cover certain provisions they may refuse to provide security, forcing the purchaser to withdraw.

I am the registered owner of a garden flat in Dover, conveyancing formalities finalised September 2004. Can you please calculate a probable premium for a statutory lease extension? Similar properties in Dover with a long lease are worth £185,000. The ground rent is £65 yearly. The lease finishes on 21st October 2085

With 61 years left to run we estimate the price of your lease extension to range between £18,100 and £20,800 as well as professional fees.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of comprehensive due diligence. You should not use the figures in a Notice of Claim or as an informal offer. There are no doubt additional issues that need to be considered and clearly you should be as accurate as possible in your negotiations. Please do not take any other action based on this information without first seeking the advice of a professional.