When it comes to lenders such as RBS, do Selsdon property lawyers face an annual charge to be on the list of approved solicitors?

We are not aware of any bank fees to register on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.

We previously selected conveyancers with offices in Selsdon on the Kent Reliance solicitor approved list. They have just invoiced me a separate sum for handling the Kent Reliance mortgage. Is this an additional conveyancing fee specified by Kent Reliance?

Unfortunately, so long as it is in their Terms and Conditions or estimate then yes your solicitor may levy a fee for this. This charge is not dictated by Kent Reliance but by your Selsdon conveyancing practitioner. Numerous firms on the Kent Reliance panel will levy ’dealing with mortgage’ fee but many practices include it on their overall fee.

Completion of my purchase has taken place for my property in Selsdon. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?

All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

The deeds to my home are lost. The conveyancers who did the conveyancing in Selsdon 5 years ago have long since closed. What are my options?

Nowadays there are copies made of almost everything, and your conveyancer will know precisely where to look for all the suitable documentation so you may purchase or dispose of your house without a hitch. Where duplicates are not available, your lawyer can put in place insurance or indemnities protecting you against possible claims on your premises.

About to purchase a new build apartment in Selsdon. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below is a sample of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Selsdon

Forfeiture - bankruptcy or liquidation must not apply under this provision. Please supply a car parking plan. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.

Due to the advice of my in-laws I had a survey completed on a property in Selsdon before appointing conveyancers. I have been advised that there is a flying freehold element to the house. The surveyor advised that some mortgage companies may 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. Should you wish to call us we can check with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Selsdon. Conveyancing may be slightly more expensive based on your lender's requirements.

In sourcing the internet for the term conveyancing in Selsdon it shows results of numerous conveyancerslocally. With so much choice what is the best way to find the suitable solicitor for my move?

The preferential method of seeking a suitable conveyancer is through a personal referral, so enquire of friends and relatives who have acquired a property in Selsdon or a local estate agent or mortgage broker. Costs for conveyancing in Selsdon vary, so it's sensible to request a minimum of four fee estimates from varying types of companies. Dont forget to clarify what costs in the quote includes.