Why would one appoint a Greenhithe conveyancing practice given that online alternatives are more affordable?
To take your time to find compare conveyancing costs in Greenhithe and you should seek a competitive estimate but don’t be focused with getting the lowest priced Greenhithe conveyancer. Identifying the right conveyancer can mark the difference between a smooth and a stressful house move. You need to ensure that you have expert guidance from an experienced lawyer. An e-mail can never replace a telephone discussion and are no substitute for a face to face consultation. Our partner firms will appoint you a qualified and experienced conveyancing solicitor who can deal with your conveyancing from beginning to end, providing a level of hand holding that you are unlikely to received from an online conveyancer. Our lawyers will contact you regularly to update you as to headway making sure that you are never in the dark. Should you need to call the office you will be sure who you need to speak to and we'll endeavour to make sure that you are in the know.
My partner and I are buying a newly constructed apartment in Greenhithe and my conveyancer is informing me that she has to the lender to reveal incentives from the developer. I am under pressure to exchange contracts and I would rather not prolong deal. Is my lawyer right?
You should not exchange unless you have been advised to do so by your lawyer. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook conditions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Please help - my lawyer says that chancel insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Greenhithe?
The right level of chancel indemnity insurance should be dictated by who who your lender is. It would differ for example between Accord Mortgages Ltd and Skipton Building Society. Conveyancing lawyers as opposed to members of the public take out such insurances.
Two weeks ago we had a mortgage agreed in principle with TSB. Greenhithe conveyancing practitioners were instructed. What is the average time that one could expect to receive a mortgage offer from TSB?
There is no definitive answer here. Have TSB done the valuation? Have you advised TSB as to your lawyers' details and checked that your lawyers are on the TSB conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
After much negotiation I have agreed a price on a house in Greenhithe. My financial adviser pressured me to appoint their lawyer. I paid an upfront payment of £200. Soon after, the property lawyer called me sheepishly admitting that they were not on the Lloyds conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Lloyds panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
My wife and I are downsizing from our home in Greenhithe and the buyers lawyers are claiming that there is a risk of it being built land that was not decontaminated. Any high street Greenhithe conveyancer would know this is not the case. It does beg the question why the purchasers are using an internet conveyancing firm as opposed to a conveyancing solicitor in Greenhithe. We have lived in Greenhithe for many years we know that this is a non issue. Do we get in touch with our local Authority to seek 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 should 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 life insurance to cover that same ailment)
How does conveyancing in Greenhithe differ for new build properties?
Most buyers of new build premises in Greenhithe contact us having been asked by the developer to exchange contracts and commit to the purchase even before the premises is finished. This is because house builders in Greenhithe usually purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Greenhithe or who has acted in the same development.