AssumingI were to buy a straightforward homein Faversham mortgage fee and have no survey and no conveyancing searches how much could I expect to have to pay for conveyancing in Faversham?

Any savings you would gain will be isolated to the disbursement for searches. A property lawyer is required to do the vast majority of work - money laundering, communicating with your sellers lawyer, SDLT return, register the property etc. A marginal saving might be made by not needing to register a charge however it won't be meaningful.

I am expecting a AIP from Bank of Ireland 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 Bank of Ireland recommend any Faversham solicitors on the Bank of Ireland conveyancing panel, or is it better to go independently?

You will need to appoint Faversham solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.

I am currently in the process of buying my council flat in Faversham. I have a mortgage agreed with RBS. Conveyancing is new to me. 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 RBS, you will need to appoint a solicitor on the RBS conveyancing panel.

The mortgage over my property is with Co-operative for my property in Faversham. Conveyancing has been completed a year ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Co-operative?

Your original mortgage agreement with Co-operative will provide that you need their approval prior to letting out your property as this is likely to be a breach of Co-operative’s mortgage conditions. It may be that Co-operative will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Co-operative directly. It should not be necessary to do this via a Co-operative conveyancing panel lawyer.

I require quick conveyancing in Faversham as I am faced with an ultimatum to sign on the dotted line inside one month. A home loan is not required. Can I decline from having conveyancing searches to save fees and time?

If.Given you are not getting a home loan you have the choice not to have searches carried out although no lawyer would suggest that you don't. Drawing on our experience of conveyancing in Faversham the following are instances of what can appear and adversely affect market value: Refused Planning Applications, Overdue Fees, Overdue Grants, Railway Schemes,...

I am purchasing a new build house in Faversham with the aid of help to buy. The builders refused to move on the amount so I negotiated 6k of extras instead. The sale representative advised me not reveal to my lawyer about the deal as it could put at risk my loan with the bank. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

As co-executor for the estate of my grandfather I am selling a property in Newport but reside in Faversham. My lawyer (who is 235 miles awayneeds me to sign a stat dec before the transaction finalising. Can you recommend a conveyancing practitioner in Faversham who can witness and place their company stamp on the document?

strictly speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will do regardless of whether they are based in Faversham