I have been recommended a conveyancing solicitor in Maidstone. I I am struggling to find out whether they are accepted on the Accord Mortgages Ltd approved list of lawyers. Can you assist?
The first thing to do is e-mail the conveyancer and ask them whether they can act for the lender. Otherwise please get in touch with Accord Mortgages Ltd who may be able to confirm.
My husband and I have arranged the release of further funds on our mortgage from RBS as we wish to conduct improvements to our home in Maidstone. Do we need to appoint a bricks and mortar Maidstone solicitor on the RBS conveyancing panel to deal with the legals?
RBS do not ordinarily appoint firms on their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the RBS list.
Completion of my remortgage has taken place for my property in Maidstone. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I can not work out if my bank requires a lease extension. I have called my Maidstone bank branch on numerous occasions and was told it wasn't an issue and they would lend. My Maidstone conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they will not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
Your conveyancing practitioner must follow the Council of Mortgage Lenders’ Handbook section two specifications for your lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I am looking to sell my house. My previous conveyancers have shut. I would be grateful for any recommendation of a conveyancing firm. Im based in Maidstone if that affects matters.
You should use our search tool to help you find a solicitor for your conveyancing in Maidstone. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs with a minimum of fuss.
Last November I purchased a leasehold house in Maidstone. Am I liable to pay service charges relating to a period prior to my ownership?
In a situation where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Maidstone Leasehold Conveyancing - Sample of Questions you should ask Prior to buying
Many Maidstone leasehold properties will have a service charge for maintenance of the block levied on behalf of the landlord. Should you buy the property you will have to meet this contribution, usually in instalments accross the year. This can vary from two or three hundred pounds to thousands of pounds for buildings with lifts and large common areas. There will also be a ground rent for you to pay yearly, ordinarily this is not a large figure, say around £50-£100 but you should to enquire it because on occasion it can be many hundreds of pounds. It would be prudent to find out as much as possible concerning the managing agents as they can either make your living at the property much simpler or uncomfortable. Being a leasehold owner you are frequently at the mercy of the managing agents from a financial perspective and when it comes to day to day matters like the tidiness of the communal areas. Enquire of prospective neighbours what they think of their management. On a final note, be sure you understand the dates that the service fees are due to the managing agents and precisely what you get for your money. The prefered form of lease arrangement is a share of the freehold. In this arrangement the leaseholders enjoy being in charge if their destiny and notwithstanding that a managing agent is frequently retained if the building is bigger than a house conversion, the managing agent is directed by the tenants.
My parents are unable to locate their Maidstone land registry title on the site. They recall that back in the 60’s when they bought the house there were complications with the post code not being identified on some systems.
Almost all properties in Maidstone should show up. Have you attempted a search to simply the postcode. Ordinarily it should mention all the premises inside the postcode. Where registered it will show up with a title number. If they bought back in the 60’s it's conceivable it may be not yet registered. The property could still be revealed but with the title number shown 'na'. In this scenario you will need to locate the original title papers which may be with your parent’s mortgage company.