My bid for a property was accepted at auction in Chislehurst. Conveyancing is necessary. What are my next steps?

Having for in every practical sense signed on the dotted line you now have to retain a conveyancing solicitor as a matter of urgency as you now have a tight a drop dead date to complete the purchase. An auction property should have a corresponding auction pack. This should include the copy title deeds, local authority and drainage searches. If you have purchased leasehold premises the auction papers should contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation pertinent to leasehold premises. You must give this to the conveyancer working for you at the earliest opportunity. Do make sure that you have funds in place to complete the transaction on the set completion date.

I am buying a end of terrace house in Chislehurst. Our aim is to carry out a loft conversion at the house.Will legal due diligence on the property include investigations to see if these works were previously refused?

Your solicitor should check the deeds as conveyancing in Chislehurst will occasionally identify restrictions in the title deeds which restrict categories of works or necessitated the consent of another owner. Some additions require local authority planning permissions and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be prudent to check these issues with a surveyor prior to committing yourself to a purchase.

I can not work out if my bank requires a lease extension. I have telephoned my Chislehurst building society branch on a couple of occasions and was told they are content with the situation and they will lend. My Chislehurst conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they would not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?

As long as the property lawyer is on the mortgage company panel, they must comply with the Council of Mortgage Lenders’ Handbook provisions for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.

I'm buying a new build house in Chislehurst with a mortgage from Coventry Building Society. The developers would not reduce the price so I negotiated five thousand pounds worth of extras instead. The sale representative advised me not reveal to my conveyancer about the extras as it would jeopardize my mortgage with Coventry Building Society. Is this normal?.

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 ground for flat up to £195,000 and identified one near me in Chislehurst I like with a park and station in the vicinity, the downside is that it's only got 49 years unexpired on the lease. There is not much else in Chislehurst for this price, so just wondered if I would be making a grave error purchasing a short lease?

If you need a mortgage the remaining unexpired lease term will be problematic. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for a minimum of twenty four months you can ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should speak to your conveyancing lawyer concerning this matter.

Taking into account that I am about to spend 450k on a garden flat in Chislehurst I would like to have a conversation with the solicitor regarding thehome move ahead of appointing the firm. Is this something that you can arrange?

This is something that we recommend - we would be happy to talk to you we do not take any clients on without you speaking to the solicitor due to be carrying out your conveyancing in Chislehurst.There is no ‘factory style conveyancing’ - each client is an important person, not a matter number. The practices that we put you in touch with believe that the fees you are quoted for residential conveyancing in Chislehurst should be the figure that you are charged.

I need to instruct a conveyancing solicitor for my conveyancing in Chislehurst. I have stumble upon a site which appears to be the perfect solution If there is a chance to get all this stuff done via email that would be ideal. Should I be concerned? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?