How do I discover of the solicitor handling my conveyancing in Gillingham is on the mortgage lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for The Mortgage Works thus spending £192.00 in additional conveyancing costs.
Feel free to make the most of the find a lender approved solicitor tool on this site. Please choose the mortgage company and type ‘Gillingham’ or your preferred area and you will see numerous solicitors offices in Gillingham or near you.
Do I need to pay for insurance to address the risk of chancel repairs when purchasing a house in Gillingham?
Unless a previous acquisition of the premises took place after 12 October 2013 you can take it that conveyancing practitioners conducting conveyancing in Gillingham to continue to suggest a chancel search and or chancel repair liability insurance.
Despite weeks of looking the Title Certificate and documents to my home are lost. The solicitors who did the conveyancing in Gillingham 4 years ago no longer exist. What do I do?
You no longer need to have the physical deeds to evidence that you are the registered proprietor of land or premises, as the Land Registry have everything they need in a digital format.
I am buying a new build house in Gillingham with the aid of help to buy. The developers refused to move on the amount so I negotiated £7000 of extras instead. The house builders rep suggested that I not to tell my solicitor about this extras as it would impact my mortgage with Godiva Mortgages Ltd. Should I keep quiet?.
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.
Due to the input of my in-laws I had a survey completed on a house in Gillingham ahead of appointing conveyancers. I have been advised that there is a flying freehold element to the house. Our surveyor has said that some mortgage companies will refuse to give a mortgage on a flying freehold premises.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Halifax. If you call us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Gillingham. Conveyancing may be slightly more expensive based on your lender's requirements.