Having been suggested to visit your site we were about to go ahead with a conveyancing solicitor in Dover recommended using your comparison tool but have come across some other quotes via the web appear less pricey – why is this?

One can find plenty of solicitors advertising so-called £99 conveyancing, unfortunately it’s common in such cases for supplementalcharges end up with the closing fee markedly uplifted. According to the Legal Ombudsman fees outlined in terms and conditions should be equitable invoiced The solicitors that we list for conveyancing in Dover genuinely set out all charges for a residential conveyancing matter.

Do I select a Licenced Conveyancer or Solicitor for conveyancing in Dover?

There are many registered licenced Conveyancers in Dover and Solicitor partnerships in Dover offering conveyancing We would stress that the two are supervised by regulatory bodies with both specialising in the legal work in the home buying process. They may both also deal with associated property related work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.

I am being advised by my lawyer that lack of right of way insurance is necessary on my purchase. What is the level of cover for Dover conveyancing?

The right level of lack of right of way indemnity insurance should be dictated by who who your lender is. It would differ for example between Yorkshire Building Society and Norwich and Peterborough Building Society. Conveyancing lawyers as opposed to borrowers take out such insurances.

We expect to receive a DIP from Co-operative this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Co-operative recommend any Dover solicitors on the Co-operative conveyancing panel, or is it better to go independently?

You will need to appoint Dover solicitors independently although you'll need to choose one on the Co-operative conveyancing panel. The solicitor represents both you and Co-operative through the process.

I opted to have a survey done on a property in Dover in advance of appointing conveyancers. I have been told that there is a flying freehold overhang to the house. My surveyor has said that some banks may not give a loan on a flying freehold premises.

It depends who your proposed lender is. Santander has different requirements from Halifax. Should you wish to call us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Dover. Conveyancing may be slightly more expensive based on your lender's requirements.

What makes a Dover lease unmortgageable?

Leasehold conveyancing in Dover is not unique. All leases are unique and drafting errors can result in certain provisions are missing. The following missing provisions could result in a defective lease:

Service charge per centages that don't add up correctly leaving a shortfall

A defective lease will likely cause issues when trying to sell a property primarily because it impacts on the ability to obtain a mortgage on the property. HSBC Bank, Bank of Scotland, and TSB all have express conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease does not cover certain provisions they may refuse to grant the mortgage, forcing the buyer to withdraw.

Dover Leasehold Conveyancing - A selection of Questions you should consider Prior to Purchasing

If a Dover lease has no more than 80 years it will have adverse implications on the value of the apartment. It is worth checking with your bank that they are willing to lend given the lease term. A short lease means that you will probably have to extend the lease at some point and you need to have some idea of how much this will be. Remember, in most cases you would need to own the premises for 24 months before you are eligible to extend the lease. How long is the Lease? Is there a share of the freehold?

My 20yr old son is about to join the property ladder, the home loan was agreed last week in principle. One the offer was accepted on flat we called the bank to progress the mortgage application. We were very surprised to discover that banks do not accept all conveyancer, they have to be on a list, is this legal?

Banks tend to restrict either the type or the number of conveyancing practices on their panel. Typical examples of such restriction(s) being that a firm must have two or more partners. In addition to restricting the type of firm, some have decided to limit the number of firms they use to represent them. You should note that lenders have no responsibility for the quality of advice provided by any Dover conveyancing practitioner on their panel. Mortgage fraud was a key driver in the rationalisation of conveyancing panels a few years ago and whilst there are differing views about the extent of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that thousands of law firms only carry out one or two conveyances a year. Those supporting conveyancing panel cuts ask why law firms should have the right to be on a Lender panel when clearly, conveyancing is not their speciality. To put it another way; would you want a conveyancing solicitor to represent you if you were charged with a crime? Probably not.