I have decided to exercise my right to buy my property in Dartford off the council. I have a mortgage agreed with TSB. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with TSB, you will need to appoint a solicitor on the TSB conveyancing panel.
I had an offer accepted on an apartment in Dartford on 29/10/2018, valuation was booked 2 days later, all came back fine. Conveyancer appointed, so all that was missing was my mortgage offer. Having made daily calls to Clydesdale and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Clydesdale conveyancing panel. Are Clydesdale entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.
My sealed bid on a detached house in Dartford has been accepted, the owners do nevertheless have a connected purchase. The sellers have put an offer on somewhere, but it’s not been accepted yet, and are looking at other flats booked. I have chosen a local conveyancing solicitor in Dartford. What do I do now? At what point should I apply for the mortgage with Clydesdale?
It is understandable to have anxieties where there is a chain as you are unlikely to want to incur costs prematurely (home loan application is in the region of £1k, then valuation, Dartford conveyancing search fees, etc). The first course of action is to ensure that your lawyer is on the Clydesdale approved list. Concerning the subsequent phase this very much depends on the specifics of your transaction, attraction to this property and on the state of the market. In a rising market many home buyers would apply for a home loan with Clydesdale and pay for the valuation and only if it comes back ok would they ask their lawyer to move forward with the conveyancing in Dartford.
I used Action Conveyancing several years ago for my conveyancing in Dartford. I now require my papers however the law firm is no longer operating. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Dartford of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I've recently found out that there is a flying freehold issue on a property I put an offer in last month in what should have been a quick, no chain conveyancing. Dartford is the location of the property. Is there any guidance you can impart?
Flying freeholds in Dartford are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Dartford you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Dartford 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 premises.
I'm remortgaging my primary home to a BTL loan with Norwich and Peterborough Building Society and intend to use the remaining equity towards a second house. The area we are interested in is Dartford. Will your solicitors be able to act for the two mortgage companies and link together the conveyances?
Do use our search tool on this page to check that the solicitors are approved by both lenders. Assuming that they are the lawyer should be able to tie up the two transactions but you should have a chat with you conveyancer and specify your expectations and requirements.
Helen (my wife) and I may need to sub-let our Dartford 1st floor flat for a while due to a career opportunity. We instructed a Dartford conveyancing firm in 2001 but they have since shut and we did not have the foresight to seek any guidance as to whether the lease permits subletting. How do we find out?
Even though your last Dartford conveyancing lawyer is no longer available you can check your lease to see if you are permitted to let out the apartment. The rule is that if the deeds are non-specific, subletting is allowed. Quite often there is a prerequisite that you need to seek permission via your landlord or other appropriate person prior to subletting. The net result is you not allowed to sublet without prior consent. Such consent must not not be unreasonably turned down. If the lease does not allow you to sublet you will need to ask your landlord for their consent.
I have attempted and failed to negotiate with my landlord to extend my lease without success. Can the Leasehold Valuation Tribunal adjudicate on such matters? Can you recommend a Dartford conveyancing firm to assist?
in cases where there is a absentee freeholder or where there is dispute about the premium for a lease extension, under the Leasehold Reform, Housing and Urban Development Act 1993 it is possible to make an application to the Leasehold Valuation Tribunal to judgment on the sum to be paid.
An example of a Lease Extension matter before the tribunal for a Dartford residence is Various @ Colombus Square in January 2012. the Tribunal calculated the premiums to be paid for new leases for each of the flats in Mariners Walk to be £3822 and the premium to be paid for the new lease of 2 Knights Court to be £4439. This case affected 13 flats. The number of years remaining on the existing lease(s) was 76 years.