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Find a Westgate on Sea Conveyancing Solictior on Your Lender’s Panel

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

Only LenderPanel.com provides a subset of authorised Westgate on Sea conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Westgate on Sea

Is it necessary during the course of the conveyancing process to pop into the offices of the solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Westgate on Sea so that I can attend their offices if necessary.

As opposed to twenty years ago, the vast majority mortgage companies no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID documents and there are still distinct advantages to instructing a locally based ayer, in your situation a conveyancing solicitor in Westgate on Sea.

Please help - my lawyer says that lack of right of way insurance is needed on my purchase. What is the level of cover for Westgate on Sea conveyancing?

The appropriate level of lack of right of way indemnity insurance should be dictated by who your lender. It would differ for example between Nationwide Building Society and Norwich and Peterborough Building Society. Conveyancing lawyers as opposed to borrowers take out such policies.

I happen to be the sole beneficiary of my late grandmother’s estate and I have everything in my name now, including the my former home in Westgate on Sea. Conveyancing formalities meant that the Land Registry date was in August. I want to move. I do know about the Mortgage Lenders 6 month 'rule', meaning my proprietorship could be considered the same way as if I'd bought the property in August. Will no one buy the property for half a year?

The CML handbook obliges solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. Some mortgage companies would take a practical view as this obligation is primarily there to identify the purchase and immediately sell or the flipping of property.

I am buying a property in Westgate on Sea. A rare aspect is that the roof has a solar panel. Co-operative have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

As your lender is Co-operative your lawyer must comply with the formal requirements contained in Section 2 of UK Finance Lenders’ Handbook for Co-operative. The CML Handbook contains minimum specifications for solar panel roof-space leases, and solicitors are required to report to Co-operative where a lease does not meet these conditions. The conditions relate to the installation of panels on properties countrywide and is not limited to Westgate on Sea.

A friend advised me that if I am purchasing in Westgate on Sea I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

A search of this type is sometimes included in the estimate for your Westgate on Sea conveyancing searches. It is a large document of more than thirty pages, listing and detailing significant information about Westgate on Sea around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful data about Westgate on Sea.

Due to the input of my in-laws I had a survey completed on a house in Westgate on Sea before instructing conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor has said that some lenders may refuse to issue a loan on a flying freehold home.

It varies from the lender to lender. HSBC has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Westgate on Sea. Conveyancing will be smoother if you use a solicitor in Westgate on Sea especially if they are accustomed to such properties in Westgate on Sea.

I purchased a flat in Westgate on Sea last 24/6/2024 and to date it is still not recorded with HMLR. It is part of a development site and my lawyer told me that it can take twelve months to register. I have spoken with HMLR directly and they have informed me the initial application was cancelled due to questions not being addressed in time. Should I be concerned?

It is your lawyer that you really need to turn to here in order to satisfy any issues which have been raised as part of the registration formalities for your Westgate on Sea property. Normal Westgate on Sea conveyancing practice includes an undertaking on the part of the vendor’s conveyancing practitioner that they will assist in resolving any requirements raised by HMLR so it may be a case of seeking to enforce that undertaking if necessary.

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Neighbouring Locations

Birchington
Westgate on Sea
Broadstairs
Margate
Sandwich
Deal
Ramsgate

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