Can the conveyancing practitioners that you recommend perform right to buy conveyancing in Chatham?

We work with a number of conveyancing lawyers carrying out right to buy conveyancing Do e-mail us to get a costs illustration.

Forgive me if this question is silly but I am new to the home moving as a 1st time buyer of a two bedroom flat in Chatham. Do I collect the keys to the house on completion from my lawyer? If this is the case, I will instruct a High Street conveyancing solicitor in Chatham?

On the day of completion you do not need to go to the conveyancers office in Chatham. Your solicitors will arrange to send the purchase money to the owner’s solicitors, and once they have received this, you should be invited to pick up the keys from the Estate Agents and start moving into the property. Usually this happens early afternoon.

When it comes to mortgage companies such as Aldermore, do Chatham conveyancing practitioners incur a yearly amount to be on the list of approved solicitors?

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

My partner and I are in the process of looking at flats in Chatham and I am now considering a potential offer. Should I already have a property lawyer in place at this stage? I intend to finance via a mortgage with UBS.

It would be sensible to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the selling agent. Given that you are getting a mortgage with UBS, make sure you remember to check that your lawyer is on the UBS conveyancing panel.

My partner and I are close to exchanging contracts on the sale of our property in Chatham and according to the buyers it appears that there is a possibility that the property was built land that was not decontaminated. Any local lawyer would know that there is no such problem. For the life of me I don't know why the buyers used a web based conveyancing practice rather than a conveyancing solicitor in Chatham. Having lived in Chatham for three years we know of no issue. Do we get in touch with our local Authority to obtain clarification that there is no issue.

It sounds as though you may have a conveyancing solicitor currently acting for you. Are they able to advise? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)

I am buying my first flat in Chatham with a mortgage from Skipton Building Society. The developers would not move on the amount so I negotiated £7000 of additionals instead. The estate agent told me not disclose to my lawyer about this deal as it may impact my loan with the lender. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the builder 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.

Over the last few months I have been searching for a leasehold apartment up to £245,000 and found one close by in Chatham I like with a park and transport links in the vicinity, however it's only got 51 years on the lease. I can't really find anything else in Chatham suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?

Should you require a home loan the remaining unexpired lease term may be an issue. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for at least 2 years you can ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should speak to your conveyancing lawyer regarding this.