Can the conveyancing practitioners that you recommend carry out right to buy conveyancing in Westerham?

We do have a variety of conveyancing conveyancers who can service right to buy conveyancing You should contact the lawyers listed in order to get a costs calculation.

I am considering applying for a TSB mortgage for purchase of a newly converted (under development) in Westerham with 70% LTV. Is it compulsory to choose a solicitor on the conveyancing panel for TSB ?

In theory, you could use a solicitor that is not on the TSB conveyancing panel, but TSB would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.

Completion of my purchase has taken place for my property in Westerham. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?

Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

I can not fathom if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Westerham building society branch on numerous occasions and was informed it wasn't a problem and they will lend. My Westerham conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they will not lend in accordance with their published requirements. I have no idea who is right.

As long as the lawyer is on the mortgage company approved list, she or he must follow the CML Handbook provisions for the lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.

Our offer on a house in Westerham has been accepted, but there is a chain. The vendors have offered on somewhere, however it’s not yet agreed to, and have viewings of other apartments booked. I have instructed a nearby conveyancing solicitor in Westerham. What should be my next step? At what stage do I apply for the mortgage with Nationwide?

It is normal to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then valuation, Westerham conveyancing search charges, etc). First, you must ensure that your conveyancing practitioner is on the Nationwide conveyancing panel. Concerning the next stages this very much dictated by the circumstances of your case, motivation for this property and on the state of the market. During a rising market some home buyers will apply for a home loan with Nationwide and arrange for the valuation and only if it was satisfactory would they request their conveyancer to proceed with searches.

I've recently found out that there is a flying freehold element on a property I have offered on a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Westerham is the location of the property. Can you offer any opinion?

Flying freeholds in Westerham are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Westerham you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Westerham 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 residence.

I've found a house that appears to meet my requirements, at a reasonable price which is making it more attractive. I have subsequently discovered that the title is leasehold rather than freehold. I am assuming that there are particular concerns buying a house with a leasehold title in Westerham. Conveyancing advisers have are about to be instructed. Will my lawyers set out the implications of buying a leasehold house in Westerham ?

Most houses in Westerham are freehold and not leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can assist with the conveyancing process. It is clear that you are purchasing in Westerham so you should seriously consider looking for a Westerham conveyancing solicitor and check that they have experience in advising on leasehold houses. As a matter of priority you will need to check the unexpired lease term. As a leaseholder you will not be entirely free to do whatever you want with the house. The lease comes with conditions such as requiring the landlord’spermission to conduct changes to the property. It may be necessary to pay a maintenance charge towards the upkeep of the estate where the house is part of an estate. Your solicitor should advise you fully on all the issues.

Westerham Leasehold Conveyancing - Examples of Questions you should consider Prior to Purchasing

What is the name of the managing agents? What is the the remaining lease term? Are there any major works in the planning that will increase the maintenance fees?