We decided to go with a high street lawyer for my conveyancing in Margate today. After carefully reading the Terms and Conditions it is apparent thatwe are liable for fees even if the movedoes not go ahead. Would I be best advised to select an internet conveyancing company advertising no completion no cost conveyancing in Margate?

Generally there is a concession along the lines that if "No Sale No Fee" is available then the fee levels will tend to be be higher to offset the cases that do not proceed. Do bear in mind that such offerings generally do not cover disbursements by way of example Margate conveyancing search expenses.

We expect to receive a AIP from this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do recommend any Margate solicitors on the conveyancing panel, or is it better to go independently?

You will need to appoint Margate solicitors independently although you'll need to choose one on the conveyancing panel. The solicitor represents both you and through the process.

I have today made my last payment due on my mortgage with . I assume I don't need a Margate on the panel to discharge the mortgage at the Land Registry. Am I right?

If you have finished paying off your mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the mortgage from the register. , and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where has sent the Land Registry the discharge electronically, and
3. has instructed the Land Registry to do so

The formalities of my remortgage has taken place for my property in Margate. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel 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.

About to purchase a new build flat in Margate. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Here are examples of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Margate

Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Please supply a car parking plan. There must be mutual enforceability of lessee’s covenants. Please confirm the Lease plans are surveyor prepared.

I have been on the look out for a leasehold apartment up to £305k and identified one close by in Margate I like with amenity areas and transport links nearby, the downside is that it's only got 49 remaining years left on the lease. There is not much else in Margate suitable, so just wondered if I would be making a grave error buying a lease with such few years left?

Should you require a home loan the shortness of the lease will be a potential deal breaker. Discount the price by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the premises for at least twenty four months you can request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing lawyer concerning this.

We are in the process of buying a property in Margate. Can the keep our purchase price private from the likes of Nestoria. How can this be achieved ?

HMLR are legally required to specify price paid data on the official title for residential properties nationwide including homes in Margate. The register of ownership is a public document, so the Land Registry would be breaching their statutory obligations if they did not permit access to the register.

In essence you can make a request of HM Land Registry to withhold the amount paid entry however the answer would be a No.