Find a St Nicholas Conveyancing Solictior on Your Lender’s Panel

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

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

Recently asked questions about conveyancing in St Nicholas

We note that you have a search directory listing firms on the Kent Reliance conveyancing panel. Do companies pay you a referral fee if I retain them for our conveyancing in St Nicholas?

We are a listing service only for law firms wishing to communicate if they are on the Kent Reliance conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in St Nicholas.

I have Fifty Six years left on my lease and need a lease extension for my apartment in St Nicholas. Conveyancing solicitors on the Bank of Ireland panel can deal with such extensions right?

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 29/11/2018 the requirements read as follows :

Yes, subject to a minimum lease term of 85 years. The unexpired lease term must be at least the mortgage term plus 45 years. See also 5.14.9

Yesterday I discovered that there is a flying freehold element on a house I have offered on last month in what was supposed to be a straight forward, no chain conveyancing. St Nicholas is where the house is located. Is there any advice you can give?

Flying freeholds in St Nicholas are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in St Nicholas you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in St Nicholas may decide 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 premises.

How simple is it to use the search facility to select a conveyancing solicitor in St Nicholas on the approved list for my bank?

First choose a mortgage company such as HSBC Bank, Virgin Money or Bank of Ireland then type in your preferred area for example St Nicholas. Conveyancing firms in St Nicholas and nationally will then be listed.

All being well we will complete the sale of our £425,000 maisonette in St Nicholas next week. The managing agents has quoted £312 for Certificate of Compliance, insurance certificate and 3 years statements of service charge. Is the landlord entitled to charge such fees for a leasehold conveyance in St Nicholas?

St Nicholas conveyancing on leasehold maisonettes normally involves administration charges invoiced by freeholders :

    Completing conveyancing due diligence questions Where consent is required before sale in St Nicholas Copies of the building insurance and schedule Deeds of covenant upon sale Registering of the assignment of the change of lessee after a sale
Your lawyer will have no control over the level of the charges for this information but the average costs for the information for St Nicholas leasehold premises is £350. For St Nicholas conveyancing transactions it is customary for the seller to pay for these costs. The landlord or their agents are under no legal obligation to answer such questions most will be willing to do so - albeit often at exorbitant prices where the fees bear little relation to the work involved. Unfortunately there is no law that requires fixed charges for administrative tasks. Neither is there any legal time frame by which they are obliged to supply the information.

St Nicholas Conveyancing for Leasehold Flats - Sample of Queries Prior to Purchasing

    Does this lease have in excess of 80 years unexpired? Be sure to find out if there is anything that is prohibited in the lease. For example plenty of leases prohibit pets being permitted in certain buildings in St Nicholas. If you love the propertyin St Nicholas yet your dog can’t move with you then you will be presented with a difficult determination.

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Find out more about how flying freehold can affect your the value of a property.