My wife and I are due to exchange on the purchase of a house in Dartford but as a result of damage from the recent storms I have was able negotiate recompense from the vendor in the sum of £3k by way of a deduction in the price. I had intended this to be dealt with as part of the conveyancing process but Bank of Ireland are not allowing this. Should they have been approached?
The conveyancer that is on the Bank of Ireland conveyancing panel is required to inform Bank of Ireland of any changes to the purchase price. If you were to refuse your conveyancing practitioner to disclose the price change to Bank of Ireland then they would have to discontinue acting for you. In addition, Bank of Ireland and you would have to appoint a new solicitor for your conveyancing in Dartford.
A friend informed me that in buying a property in Dartford there could be various restrictions affecting the ability to carry out external changes to the property. Is this right?
There are anumerous of properties in Dartford which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Dartford should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Last month we had a mortgage agreed in principle with RBS. Dartford conveyancing practitioners have been selected. What is the average time that one could expect to receive a mortgage offer from RBS?
Some lenders take longer than others. Have RBS conducted the survey? Have you advised RBS as to your lawyers' details and checked that your lawyers are on the RBS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I have finally had an offer on a flat in Dartford agreed to, but there is a chain. The sellers have offered on a flat, but it’s not yet agreed to, and have viewings of other properties in the pipeline. I have instructed a local conveyancing solicitor in Dartford. What do I do now? At what stage do I apply for the mortgage with Coventry BS?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur costs too early (home loan application is approx one thousand pounds, then valuation, Dartford conveyancing search fees, etc). The first course of action is to ensure that your conveyancer is on the Coventry BS approved list. As to the subsequent steps this very much depends on the uniqueness of your case, motivation for the property and on the state of the market. During a hot market the majority of purchasers will apply for a home loan with Coventry BS and arrange for the valuation and only if it comes back ok would they request their conveyancing practitioner to proceed with the conveyancing in Dartford.
I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to take this when purchasing a house in Dartford? or I am told that there is an ancient law that means some homeowners living in a parish church boundary may be liable to pay for repairs towards the chancel within the church. Is this appropriate for conveyancing in Dartford?
Unless a prior acquisition of the premises completed post 12 October 2013 you may take it that lawyers carrying out conveyancing in Dartford to remain recommending a chancel search and or chancel repair liability insurance.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The lawyers who handled the conveyancing in Dartford 4 years ago no longer exist. What are my options?
As long as the title is registered the details of your proprietorship will be held by HMLR with a Title Number. It is easy to perform a search at the Land Registry, locate your property and obtain up to date copies of the property title for less than a fiver. If the property is Leasehold then the Land Registry will also normally hold a certified copy of the Registered Lease and again, a copy can be retrieved for £20 inclusive of VAT.
I am downsizing from my home. My past lawyers closed down. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Dartford if that affects matters.
Please use our search tool to help you choose a solicitor for your conveyancing in Dartford. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs with a minimum of fuss.