Find a Sevenoaks Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Sevenoaks? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Sevenoaks conveyancing at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Sevenoaks conveyancers for over 130 lenders.

Recently asked questions about conveyancing in Sevenoaks

I was referred a conveyancer who has quoted just over a thousand pound for no sale no fee conveyancing in Sevenoaks. I am looking to sell a Georgian house for £125,000. Is this expensive? Is it above what I should be paying for conveyancing in Sevenoaks?

The costs illustration is slightly on the high side. Where you are happy to invest time contrasting prices you could reduce the fees slightly by say £100 plus VAT. On the other hand, you couldlive to rue choosing an an untested solicitor. Remember to ensure the solicitor can represent your mortgage company. Do employ our comparison tool to locate a Sevenoaks conveyancing practice on the banks approved list of lawyers which can often include conveyancing solicitors in Sevenoaks.

I purchased a freehold premises in Sevenoaks yet pay rent, why is this and what is this?

It is rare for properties in Sevenoaks and has limited impact for conveyancing in Sevenoaks but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the generation of fresh rentcharges post 1977.

Old rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence post 2037 is to be dispensed with completely.

Will my conveyancing lawyers need to check that the building insurance when buying a house in Sevenoaks. My lender is Chelsea Building Society

Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 17/7/2019, the requirements read as follows :

There are numerous conveyancing solicitors in Sevenoaks but how do I know who I should use?

Do not opt for the cheapest Sevenoaks conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.

My wife and I purchasing a 3 bedroom semi in Sevenoaks. We would like 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 review the deeds as conveyancing in Sevenoaks will on occasion identify restrictions in the title documents which prohibit categories of changes or necessitated the consent of another owner. Many works need local authority planning consent and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these issues with a surveyor before you commit yourself to a purchase.

The formalities of my purchase has taken place for my property in Sevenoaks. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?

Most 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. Ordinarily complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

I'm purchasing my first flat in Sevenoaks with the aid of help to buy. The developers would not move on the amount so I negotiated five thousand pounds worth of additionals instead. The property agent suggested that I not reveal to my conveyancer about this deal as it may affect my loan with the lender. 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.

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