When does exchange of contracts happen for sale conveyancing in Maidstone and do I need to be at the solicitors branch?
Where you are in close proximity to our conveyancing solicitors in Maidstone you are welcome to come in to sign documents. That being said, the lender approved solicitors we recommend offer countrywide coverage for conveyancing and give as equally comprehensive and professional a job for you when communicating with you digitally. The signing of the contract is not the critical part. A signed contract is necessary for the solicitor to address the formalities when the time is right, which is ordinarily shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where an extended "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Maidstone)to be in the office at the appropriate time.
We are buying a 3 bedroom semi in Maidstone. The intention is to carry out an extension to the side at the house.Will the conveyancing process involve checks to see if these alterations are permitted?
Your solicitor will check the deeds as conveyancing in Maidstone can sometimes identify restrictions in the title deeds which restrict certain alterations or necessitated the consent of another owner. Certain additions call for local authority planning permissions and approval under the building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these things with a surveyor ahead of any purchase.
We had appointed conveyancing lawyers based in Maidstone on the UBS solicitor panel. They are now charging me a further fee for dealing with the UBS mortgage. Is this a supplemental conveyancing fee set by UBS?
Unfortunately, so long as it is in their Terms of Engagement or estimate then yes your property lawyer may levy a fee for this. The fee is not dictated by UBS but by your Maidstone solicitor. Plenty of firms on the UBS panel will quote ’dealing with mortgage’ fee but many firms incorporate it on their overall fee.
How can we tell if a Maidstone conveyancing solicitor on the Nationwide panel is any good?
When it comes to conveyancing in Maidstone seeking recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advise that you speak with the solicitor handling your transaction.
I am buying my first flat in Maidstone with the aid of help to buy. The sellers refused to move on the price so I negotiated five thousand pounds worth of extras instead. The house builders rep advised me not to tell my lawyer about the side-deal as it would jeopardize my loan with Santander. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer 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.
Due to the guidance of my in-laws I had a survey completed on a property in Maidstone prior to instructing lawyers. I have been told that there is a flying freehold aspect to the property. The surveyor has said that some mortgage companies tend refuse to grant a loan on this type of premises.
It depends who your proposed lender is. Lloyds has different instructions from Nationwide. Should you wish to call us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Maidstone. Conveyancing will be smoother if you use a solicitor in Maidstone especially if they are accustomed to such properties in Maidstone.
My partner has encouraged me to use his conveyancers in Maidstone. Should I use them?
Much as we are happy to recommend a Maidstone conveyancing lawyer the best way to select a conveyancing solicitor is to get referrals from friends or relatives who have actually used the solicitor that you are are thinking of instructing.