How do I find out if the solicitor conducting my conveyancing in Gravesend is on the bank’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Halifax thus paying £187.00 plus VAT in additional legal invoice.

Please do make use of the search tool on this web page. Please choose the mortgage company and type ‘Gravesend’ or your location and you will discover numerous solicitors based in Gravesend or nearest you.

I have been told by my lawyer that lack of right of way insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Gravesend?

The right level of lack of right of way indemnity insurance depends on who your lender is. It would differ for example between Nationwide Building Society and Leeds Building Society. Conveyancing practitioners as opposed to borrowers take out such policies.

I happen to be the single recipient of my late mum's will with all property in now in my sole name, including the house in Gravesend. The Gravesend property was put into my name in September. I now wish to sell up. I do know about the CML 6 month 'rule', which means that my proprietorship will be considered the same way as though I had purchased the house in September. Do I have to wait 6 months to sell?

The CML handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be impacted by that. Some banks would take a pragmatic view as this clause is chiefly there to identify the purchase and immediately sell or the flipping of property.

Are all Gravesend Conveyancing Quality Solicitors on the Principality conveyancing panel?

Some major lenders now utilise the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to join their approved list of firms.

I'm buying my first flat in Gravesend benefiting from help to buy. The builders refused to reduce the amount so I negotiated 6k of extras instead. The estate agent told me not reveal to my lawyer about this deal as it will put at risk my mortgage with the lender. Should I keep quiet?.

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.

My husband and I are new to the buying process - had an offer accepted, yet the property agent advised that the vendor will only proceed if we use their chosen conveyancers as they need a ‘quick sale’. Our preferred option is to instruct a high street solicitor who is accustomed to conveyancing in Gravesend

It is unlikely the sellers are behind this. Should the owner want ‘a quick sale', alienating a motivated purchaser is not the way to achieve this. Speak to the vendors direct and make the point that (a)you are keen to buy (b)you are ready to go, with finances in place © you are chain free (d) you intend to proceed fast (e)but you will continue to instruct your preferred Gravesend conveyancing solicitors - as opposed tothe ones that will earn their negotiator at the agency a introducer fee or hit his conveyancing targets demanded by head office.

My fiance and I may need to rent out our Gravesend ground floor flat for a while due to a career opportunity. We used a Gravesend conveyancing practice in 2002 but they have closed and we did not think at the time get any advice as to whether the lease allows us to sublet. How do we find out?

Your lease governs relations between the landlord and you the flat owner; specifically, it will indicate if subletting is not allowed, or permitted but only subject to certain conditions. The accepted inference is that if the lease contains no expres ban or restriction, subletting is permitted. The majority of leases in Gravesend do not contain subletting altogether – such a provision would adversely affect the market value the flat. In most cases there is a basic requirement that the owner notifies the freeholder, possibly sending a duplicate of the sublease.

Leasehold Conveyancing in Gravesend - Examples of Questions you should ask Prior to Purchasing

It would be a good idea to enquire if there are any onerous restrictions in the lease. For instance it is reasonably common in Gravesend leases that pets are not permitted in certain buildings in Gravesend. If you love the propertyin Gravesend however your dog is not allowed to live with you then you will be faced difficult choice. What is the length of the lease? The best form of lease arrangement is if the freehold title is in the ownership of the leaseholders. In this scenario the leaseholders benefit from control and notwithstanding that a managing agent is frequently employed if the building is bigger than a house conversion, the managing agent is directed by the tenants.