The Ramsgate conveyancing firm handling our Ramsgate conveyancing has identified an inconsistency between the information in the home valuation survey and what is in the conveyancing documents. My lawyer informs me that he is duty bound to check that the lender is with this discrepancy and is still content to lend. Is my lawyer’s approach appropriate?

Your must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

Is there a search tool that I can utilise to discover of the solicitor conducting my conveyancing in Ramsgate is on the mortgage lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for thus paying £187.00 plus VAT in further legal bill.

Please do make use of the find a lender approved solicitor tool on this web page. Please choose the lender and type ‘Ramsgate’ or your preferred area and you will be presented with numerous conveyancers located in Ramsgate or near you.

I opted to have a survey done on a property in Ramsgate ahead of appointing lawyers. I have been told that there is a flying freehold aspect to the property. The surveyor has said that some banks tend not issue a loan on a flying freehold property.

It depends who your proposed lender is. Lloyds has different requirements for example to Birmingham Midshires. If you call us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Ramsgate. Conveyancing will be smoother if you use a solicitor in Ramsgate especially if they are familiar with such properties in Ramsgate.

I'm converting the mortgage on my existing property to a buy to let mortgage with and intend to use the remaining equity as a deposit on another house. The area we are looking at is Ramsgate. Will your solicitors be able to act for both sets of banks and link together the transactions?

Make use of our comparison tool on this site to be sure that the solicitors are on the appropriate lender panels. On the basis that they are the conveyancer will be able to connect the two conveyancing matters but you should talk with you lawyer and make clear your expectations and requirements.

Ramsgate Leasehold Conveyancing - Sample of Queries before buying

Does the lease have onerous restrictions? Many Ramsgate leasehold flats will be liable to pay a service charge for maintenance of the building set on behalf of the freeholder. If you acquire the property you will have to meet this contribution, normally periodically throughout the year. This may be anything from a few hundred pounds to thousands of pounds for large purpose-built blocks. In all likelihood there will be a rentcharge for you to pay annual, this is usually not a large sum, say approximately £50-£100 but you need to check as occasionally it could be surprisingly expensive. How much is the ground rent and service charge?