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Find a Deal Conveyancing Solictior on Your Lender’s Panel

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

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Recently asked questions about conveyancing in Deal

My aunt passed away last year and as sole heir and executor I was left the house in Deal. The house had a small mortgage left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to Lloyds, pay off the mortgage. Is this possible?

Given you intend to refinance then Lloyds will require that you use a conveyancer on the Lloyds conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Lloyds conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Lloyds mortgage is registered as a charge at the Land Registry.

I am purchasing a property and the conveyancer has raised the issue of Chancel Repair to which the property could be obligated to pay given it’s proximity to the area of such a church. She has recommended insurance. Is this really warranted for conveyancing in Deal

Unless a previous acquisition of the premises took place post 12 October 2013 you could assume that solicitors handling conveyancing in Deal to continue to advocate a chancel search and or chancel repair liability policy.

Due to the advice of my in-laws I had a survey completed on a property in Deal in advance of appointing solicitors. I have been informed that there is a flying freehold aspect to the property. My surveyor has said that some banks may not give a loan on this type of house.

It depends who your proposed lender is. Bank of Scotland has different instructions from Birmingham Midshires. Should you wish to call us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Deal. Conveyancing may be slightly more expensive based on your lender's requirements.

I am tempted by the attractive purchase price for a two flats in Deal both have approximately 50 years left on the lease term. Should I regard a short lease as a deal breaker?

There are plenty of short leases in Deal. The lease is a right to use the premises for a prescribed time frame. As the lease shortens the saleability of the lease deteriorates and results in it becoming more expensive to acquire a lease extension. For this reason it is often a good idea to increase the term of the lease. Sometimes it is difficulties arise selling premises with a short lease as mortgage lenders less inclined to grant a loan on properties of this type. Lease enfranchisement can be a difficult process. We advise that you get professional help from a conveyancer and surveyor with experience in this area.

I bought a 2 bed flat in Deal, conveyancing was carried out half a dozen years ago. Can you work out an approximate cost of a lease extension? Comparable flats in Deal with over 90 years remaining are worth £180,000. The ground rent is £65 per annum. The lease terminates on 21st October 2082

With just 58 years unexpired we estimate the premium for your lease extension to span between £22,800 and £26,400 plus legals.

The figure above a general guide to costs for renewing a lease, but we cannot give you a more accurate figure without more detailed due diligence. You should not use this information in tribunal or court proceedings. There are no doubt additional concerns that need to be considered and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information without first seeking the advice of a professional.

Why is New Build conveyancing in Deal more expensive?

Purchasing a brand new premises is significantly distinct from the standard house purchase conveyancing in Deal. Firstly sellers usually require contracts to exchange inside a short timeframe, so there is a lot of pressure on your solicitor to make sure all is in order. Furthermore new build conveyancing frequently involve the checking of adoption of highways, drains, planning considerations, building warranties or architects certificates. Lenders obligations are also more demanding. Taking into account the complex nature of the process for these types of properties, the conveyancing new build fees are higher than normal.

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