Having been suggested to visit your company we were going to go ahead with a conveyancing solicitor in Sittingbourne listed using your comparison tool but stumbled across some other estimates on the internet look cheaper – how come?
One can find plenty of websites promoting self styled cheap conveyancing, yet more often than not additionalfees result in the final bill mounting up beyond all recognition. Conveyancers are obliged to make sure that fees contained in terms of engagement should be equitable invoiced The solicitors that we put forward for conveyancing in Sittingbourne set out all legal fees for a standard conveyancing case.
We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Does this mean I have to use their panel conveyancer as I would much rather use a local conveyancing solicitor in Sittingbourne?
You should check but the chances are that give you one of their panel lawyers where you want the "fee-free" incentive. Speak to the bank to explore if they allow a monetary alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor in Sittingbourne.
I am expecting a DIP from Coventry BS this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Coventry BS recommend any Sittingbourne solicitors on the Coventry BS conveyancing panel, or is it better to go independently?
You will need to appoint Sittingbourne solicitors independently although you'll need to choose one on the Coventry BS conveyancing panel. The solicitor represents both you and Coventry BS through the process.
I have decided to exercise my right to buy my property in Sittingbourne off the council. I have a mortgage agreed with Aldermore. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Aldermore, you will need to appoint a solicitor on the Aldermore conveyancing panel.
I am due to exchange contracts on my apartment. I had a double glazing fitted in March 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Aldermore are being difficult. The Sittingbourne solicitor who is on the Aldermore conveyancing panel is saying indemnity insurance will be fine but Aldermore are requiring a building regulation certificate. Why do Aldermore have a conveyancing panel if they don't accept advice from them?
It is probably the case that Aldermore have referred the matter to their valuer. The reason why Aldermore may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I note that there are debates on Chancel Insurance on online forums. Do I require this when buying a house in Sittingbourne? or I am told that there is a law dating back centuries that could mean that owners of property living in a parish church boundary may be liable to contribute towards maintenance towards the chancel within the church. Is this appropriate for conveyancing in Sittingbourne?
Unless a prior acquisition of the premises completed post 12 October 2013 you may assume that lawyers conducting conveyancing in Sittingbourne to continue to suggest a chancel search and or chancel repair liability insurance.
Am I right to be suspicious about estate agents that I am dealing with are encouraging me to use a factory type conveyancing firm rather than a High Street Sittingbourne conveyancing company?
As with many professional services, often recommendations from relatives can be extremely useful or valuable. But there are numerous players in a conveyancing matter; estate agents, mortgage brokers and mortgage companies may suggest conveyancers to retain. Sometimes the conveyancers might be known to one of the organisations as experts in their field, but occasionally there is an underlying financial incentive behind the recommendation. You have the right to choose your preferred conveyancer. Don't forget that the majority of mortgage providers have an approved list of law firms you have to use for the lender related work in your home move.