How up to date is your database of Ramsgate solicitors on the Aldermore conveyancing panel? Do Aldermore send you an updated list?

Ramsgate conveyancing firms themselves provide us confirmation that they are on the Aldermore conveyancing panel as opposed to being supplied with a list from Aldermore directly.

Do I have to pop into the offices of the solicitor to execute the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Ramsgate so that I can pop in to their offices if necessary.

As opposed to 15 years ago, most banks no longer oblige their conveyancing panel solicitor to witness the borrowers signature. It will still be necessary for you to provide identification documents and there are still manifest advantages to instructing a local solicitor, in your situation a conveyancing solicitor in Ramsgate.

Yesterday I discovered that there is a flying freehold issue on a house I put an offer in last month in what was supposed to be a quick, chain free conveyancing. Ramsgate is where the house is located. Can you offer any assistance?

Flying freeholds in Ramsgate are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Ramsgate you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ramsgate may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

Can you provide any top tips for leasehold conveyancing in Ramsgate with the aim of speeding up the sale process?

• A significant proportion of the frustration in leasehold conveyancing in Ramsgate can be reduced if you instruct lawyers the minute you market your property and ask them to collate the leasehold information which will be required by the purchasers’ lawyers.
Many landlords or Management Companies in Ramsgate charge for providing management packs for a leasehold home. You or your lawyers should enquire as to the fee that they propose to charge. The management pack sought on or before finding a buyer, thus reducing delays. The typical amount of time it takes to receive management information is three weeks. It is the most common cause of delay in leasehold conveyancing in Ramsgate. If there is a history of any disputes with your freeholder or managing agents it is very important that these are resolved before the property is marketed. The purchasers and their solicitors will be nervous about purchasing a flat where a dispute is unresolved. You may have to bite the bullet and pay any arrears of service charge or resolve the dispute prior to completion of the sale. It is therefore preferable to have any dispute settled prior to the contract papers being issued to the buyers’ solicitors. You will still have to reveal particulars of the dispute to the purchasers, but it is better to present the dispute as over as opposed to unresolved. You believe that you know the number of years remaining on your lease but you should double-check by asking your lawyers. A purchaser's lawyer will be unlikely to recommend their client to where the lease term is less than 75 years. In the circumstances it is important at an early stage that you consider whether the lease term requires a lease extension. If it does, contact your solicitors before you put your property on the market for sale. Some Ramsgate leases require Landlord’s consent to the sale and approval of the buyers. If this applies to your lease, it would be prudent to notify your estate agents to make sure that the purchasers put in hand financial (bank) and professional references. Any bank reference should make it clear that the buyer is financially capable of paying the annual service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the service charge figures so that they can pass this information on to the buyers or their solicitors.

Ramsgate Leasehold Conveyancing - Examples of Queries before buying

Best to be warned whether redecorating or some other major work is due shortly that will be shared amongst the tenants and could well materially impact the level of the service fees or result in a specific payment. Does the lease include onerous restrictions? Its a good idea to find out as much as you can about the company managing the building as they will impact your use and enjoyment of the property. As the owner of a leasehold property you are frequently in the clutches of the managing agents from a financial perspective and when it comes to practical matters such as the cleanliness of the communal areas. Enquire of other tenants what they think of them. In conclusion, be sure you know the dates that the maintenance charges are due to the managing agents and specifically how they are spending that money.

I have been Googling for Ramsgate competitive conveyancing fees. Can I be sure that all the Ramsgate practices that are listed on your site are on the lender conveyancing panel?

The law firms listed on our site have assured us via an online form that they are on the lender panel and agreed to advise us to take down their listing in the event of removal off of the lender panel. To date we have not been informed by either a lender or a member of the public that the data about a specific Ramsgate conveyancing solicitor being on the bank conveyancing panel is not accurate.