At long last a mortgage offer from Nationwide for the remortgage of my 4 room maisonette is to be issued any day now. Can you propose a cheap conveyancing practitioner in Westerham?

You have come to the wrong place to search for cut-price fees for conveyancing solicitors in Westerham. Our intention is to offer affordable conveyancing but we do not advertise as being the cheapest. Avoid the trap of appointing organisations enticing you with low cost conveyancing in Westerham. In your best case scenario, in choosing a lawyer for cheap conveyancing, you will get your money’s worth and at worst you will end up with a hefty uplift in additional fees and still not receive the service you were hoping for.

I am planning to acquire a property and require a conveyancing solicitor in Westerham who is on the Britannia conveyancing. Can you recommend a local firm?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Britannia in certain locations such as Westerham. We dont recommend any particular firm.

I have been told by my lawyer that absentee landlord insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Westerham?

The appropriate level of absentee landlord indemnity insurance depends on your lender. It would differ for example between Santander and Bank of Scotland. Conveyancing lawyers as opposed to members of the public take out such insurances.

We have agreed to purchase a house in Westerham. A rare aspect is that the roof has a solar panel. Virgin Money have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that you are obtaining a mortgage with Virgin Money your lawyer must comply with the formal requirements set out in Section two of UK Finance Lenders’ Handbook for Virgin Money. The CML Handbook includes minimum provisions for solar panel roof-space leases, and solicitors are required to report to Virgin Money where a lease fails to satisfy these conditions. The specifications relate to the installation of panels on properties countrywide and is not limited to Westerham.

My fiancee and I are in the throws of looking at apartments in Westerham and I am now considering a potential offer. Is it advisable to have my conveyancing practitioner on ‘stand by’? I intend to finance via a home loan with Nationwide.

It would be sensible to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the selling agent. Given that you are seeking a mortgage with Nationwide, ask your prospective lawyers if they are on the Nationwide conveyancing panel otherwise they can't do the mortgage legal work.

I need some quick conveyancing in Westerham as I have a deadline to sign on the dotted line in less than 4 weeks. A mortgage is not required. Is it possible to avoid the conveyancing searches to save fees and time?

As you are not obtaining a mortgage you have the choice not to have searches carried out although no lawyer would suggest that you don't. Drawing on years of experience of conveyancing in Westerham the following are instances of issues that can arise and therefore affect market value: Refused Planning Applications, Overdue Charges, Outstanding Grants, Unadopted Roads,...

What are the common defects that you encounter in leases for Westerham properties?

Leasehold conveyancing in Westerham is not unique. Most leases are individual and legal mistakes in the legal wording can sometimes mean that certain provisions are not included. The following missing provisions could result in a defective lease:

Service charge per centages that don't add up correctly leaving a shortfall A provision to repair to or maintain parts of the building

You could have difficulties when selling your property if you have a defective lease as they can affect a potential buyer’s ability to obtain a mortgage. Santander, Virgin Money, and Bank of Ireland all have express conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease does not cover certain provisions they may refuse to grant the mortgage, obliging the purchaser to pull out.

Westerham Conveyancing for Leasehold Flats - Examples of Questions you should consider Prior to buying

How is the lease structured? Who manages the block? How much is the ground rent and service charge?