Do the conveyancing practitioners highlighted through your search app conduct right to buy conveyancing in Seaton?

We do have plenty of conveyancing experts who can handle right to buy transactions Please call the conveyancers listed to secure a conveyancing quote.

I have a mortgage with RBS for my property in Seaton. Conveyancing has been completed 12 months 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 buy-to-let mortgage or inform RBS?

RBS must be informed of your intention prior to renting your property as this is likely to be a breach of RBS’s mortgage conditions. In many cases banks or building societies 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 RBS directly. It should not be necessary to do this via a RBS conveyancing panel firm.

Planning on purchasing a flat in Seaton. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Skipton conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Seaton property lawyer is on the Skipton conveyancing panel.

I have finally had an offer on a maisonette in Seaton accepted, the vendors do however have a dependent purchase. The owners have offered on a property, but it’s not yet agreed to, and have viewings of other properties in the pipeline. I have chosen a nearby conveyancing solicitor in Seaton. What should be my next step? At what point should I apply for the mortgage with Kent Reliance?

It is understandable to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of £1k, then valuation, Seaton conveyancing search costs, etc). The first thing to do is check that your solicitor is on the Kent Reliance approved list. Concerning the subsequent stages this very much depends on the specifics of your transaction, desire for this property and on the state of the market. In a hot market many home buyers will apply for a home loan with Kent Reliance and arrange for the valuation and only if it was satisfactory would they pay their property lawyer to press on with searches.

I require expedited conveyancing in Seaton as I have pressure to sign on the dotted line inside 2 weeks. Thankfully I do not need a mortgage. Is it possible to escape the need for conveyancing searches to save fees and time?

As you are not obtaining a mortgage you are at free not to do searches although no solicitor would advise that you don't. Drawing on our experience of conveyancing in Seaton the following are examples of issues that can be revealed and adversely impact future mortgageability: Enforcement Notices, Overdue Fees, Outstanding Grants, Road Schemes,...

I am looking for a flat up to £305k and identified one round the corner in Seaton I like with open areas and station in the vicinity, however it only has 49 remaining years left on the lease. There is not much else in Seaton for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?

Should you require a mortgage the remaining unexpired lease term may be problematic. Reduce the price by the amount the lease extension will cost if not already taken into account. If the existing owner has owned the property for at least 2 years you can ask them to start the process of the extension and then assign it to you. You can add 90 years to the current lease with a zero ground rent applied. You should consult your conveyancing solicitor regarding this.

At what point do I pay the Stamp Duty Land Tax payable for my Seaton property purchase?

Most lawyers tend to complete a stamp duty return on your behalf during your Seaton conveyancing transaction for you to sign. After completion your conveyancing practitioner will submit the Land Transaction application to the Tax Authorities and - as long as they have the money - settle any land tax due on your behalf.