Find a Birchington Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Birchington? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Birchington conveyancing at risk of delay or failure.

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Recently asked questions about conveyancing in Birchington

What does my ID and proof of funds have anything to do with my conveyancing in Birchington? What am I being asked for?

You are right in the requirement set out by your solicitor has nothing to do with conveyancing in Birchington. However these days you will not be able to proceed with any conveyancing transaction if you have not handing over evidence of your identity. Ordinarily this takes the form of a either your passport or driving licence as well as a council tax bill. Remember if you are supplying your driving licence as proof of identification it needs to be both the paper part and photo card part, one is not acceptable without the other.

Verification of the origin of money is mandated in accordance with the Money Laundering Regulations. Please do not be offended when when this is requested of you as your lawyer must retain this information on file. Your Birchington conveyancing solicitor will need to see evidence of proof of funds before they are able to accept any funds from you into their client account and they should also ask further questions regarding the origin of funds.

Do I need to take out insurance to cover chancel repairs when purchasing a residence in Birchington?

Unless a prior acquisition of the property took place post 12 October 2013 you can take it that conveyancing practitioners carrying out conveyancing in Birchington to continue to propose a a chancel search and or insurance against a claim.

I'm purchasing a new build house in Birchington with the aid of help to buy. The builders would not budge the amount so I negotiated five thousand pounds worth of additionals instead. The property agent told me not disclose to my conveyancer about the side-deal as it may impact my loan with Santander. 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 issue on a house I have offered on a fortnight ago in what should have been a quick, chain free conveyancing. Birchington is where the house is located. What do you suggest?

Flying freeholds in Birchington are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Birchington you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Birchington may ascertain 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 premises.

My husband and I are new on the property ladder - had an offer accepted, yet the estate agent advised that the seller will only move forward if we appoint the agent's preferred lawyers as they want a ‘quick sale’. We would rather use a high street solicitor accustomed to conveyancing in Birchington

We suspect that the owner is not behind this ultimatum. If they desire ‘a quick sale', alienating a motivated buyer is going to damage their objectives. Speak to the owners direct and explain that (a)you are keen to buy (b)you are ready to progress, with finances arranged © you have nothing to sell (d) you intend to proceed fast (e)but you are going to appoint your own,trusted Birchington conveyancing solicitors - rather thanthe ones that will give their negotiator at the agency a kickback or meet his conveyancing targets set by head office.

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Find out more about how flying freehold can affect your the value of a property.