Just been in touch with my conveyancing solicitor in Chatham who acted for me 18 months ago asking for a conveyancing estimate based on the same type of home move (a leasehold premises and a freehold property) of similar values with a mortgage from Halifax. It looks as though am now being charged twice the amount. Am I right to be tempted to shop around for an alternative conveyancer?
The estimate fees appear a bit high. If you you were to look around you may be able to get the conveyancing a bit cheaper by perhaps a hundred pounds. That being said, providing that you were pleased with the legal work the firm provided you couldlive to rue opting for an a cheaper conveyancer. If is important to enquire the firm can represent Halifax. You can utilise our search tool to find a Chatham conveyancing firm on the Halifax approved list of lawyers, which can often include conveyancing solicitors in Chatham.
Can I use your services to recommend a Conveyancing solicitor in Chatham even where I’m not purchasing or disposing of a house, for example if I wish to buy an office in Chatham with a loan from The Mortgage Works?
The service is primarily used to help choose residential conveyancing solicitors in Chatham but we have listed towards the bottom of this page a few Chatham commercial conveyancing firms. You will need to speak with the firm directly to check if they are also authorised to represent The Mortgage Works
If you had a top tip for choosing a conveyancing solicitor in Chatham what would it be?
It would be unwise to be swayed by the cheapest Chatham conveyancing fees. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
We have agreed to purchase a house in Chatham. A rare aspect is that the roof has a solar panel. Aldermore have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Aldermore your lawyer must check the formal requirements contained in Section two of UK Finance Lenders’ Handbook for Aldermore. The CML Handbook sets out minimum conditions for solar panel roof-space leases, and lawyers are required to report to Aldermore where a lease fails to satisfy these conditions. The provisions relate to the installation of panels on properties in England and Wales and is not isolated to Chatham.
I am due to exchange contracts on my apartment. I had a double glazing fitted in April 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Leeds Building Society are being a right pain. The Chatham solicitor who is on the Leeds Building Society conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Leeds Building Society are requiring a building regulation certificate. Why do Leeds Building Society have a conveyancing panel if they don't accept advice from them?
It is probably the case that Leeds Building Society have referred the matter to their valuer. The reason why Leeds Building Society may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I am purchasing a new build house in Chatham with a mortgage from Barclays Direct. The sellers would not budge the price so I negotiated 6k of extras instead. The house builders rep suggested that I not to tell my solicitor about the extras as it may adversely affect my loan with the lender. Is this normal?.
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.
I have been advised by numerous selling agents in Chatham to find a conveyancer using your seach tool. What’s the financial inducement for Estate Agents to market your site ahead of another?
We don’t offer any financial incentive for sending work to this site. We thought it would be too underhand to pay a commission as a client could think, ‘How come the agent getting a kickback? Why aren’t I receiving any benefit too?’ So we decided to step away from that.