I am about to exchange buying a property in Gillingham but as a consequence of damage from the recent storms I have was able negotiate compensation from the owner in the sum of six thousand pounds taking the form of a deduction in the price. This was going to be dealt with as part of a side agreement yet RBS are not allowing this. Should they have been approached?
The conveyancing practitioner being on a RBS conveyancing panel is obliged to disclose to RBS of any variations to the sale price. If you were to refuse your lawyer to disclose the price change to RBS then they would have to discontinue acting for you. In addition, RBS and you would have to appoint a new conveyancer for your conveyancing in Gillingham.
Why do I have to pay up front when it comes to conveyancing in Gillingham?
If you are buying a property in Gillingham your lawyer will ask you place them with monies to cover the the cost of the conveyancing searches. This will be the total of the cost of the Local Authority Search. When the down payment is payable against the purchase price then this should be asked for shortly prior to contracts are exchanged. The final balance that is needed should be sent to your lawyer a few days prior to the day of completion.
Forgive me if this question is silly but I am unexperienced as a first time buyer of a ground floor flat in Gillingham. Do I collect the keys to the house on completion from my conveyancer? If so, I will instruct a High Street conveyancing solicitor in Gillingham?
On the day of completion you will not be required to attend the conveyancers office in Gillingham. Your solicitors will transfer the completion advance to the seller's solicitors, and shortly after the monies have arrived, you will be called to pick up the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.
I am expecting a DIP from Santander this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Santander recommend any Gillingham solicitors on the Santander conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Gillingham solicitors independently although you'll need to choose one on the Santander conveyancing panel. The solicitor represents both you and Santander through the process.
My partner and I are in the throws of looking at flats in Gillingham and I am now considering a potential offer. Should I already have a lawyer in place at this stage? I will be getting a mortgage with Lloyds.
You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. Given that you are seeking a mortgage with Lloyds, ask your prospective lawyers if they are on the Lloyds conveyancing panel otherwise they can't do the mortgage legal work.
I'm remortgaging my existing home to a BTL loan with Skipton Building Society and intend to use the remaining equity towards further house. The area we are interested in is Gillingham. Will your solicitors be able to act for both sets of banks and link together the two deals?
Do use our search tool on this page to check that the conveyancers are approved by both banks. Assuming that they are your solicitor should be able to tie up the two conveyancing matters but you should have a chat with you solicitor and make clear your desired outcome and needs.
How do I find the right lawyer for my conveyancing in Gillingham ?
First ask the people you trust who they would recommend. Option 2 is to look on the web for conveyancing in Gillingham. Phone two or three from the list and ask them to email you their conveyancing fees and discuss your needs with the solicitor who will handle your conveyancing before you commit. Option 3 is to use this site to assist you in finding the right lawyers for you based on your unique requirements including location,speed, complexity and who your intended lender is.Resist the temptation to appoint lowest cost conveyancing solicitors in Gillingham