we are a couple who intend to purchase a newly converted flat in Dover with a residential mortgage from TSB.We would like to retain our Dover conveyancing solicitor but TSB informed us he's not on their approved list of member firms. we are left little option but to use a TSB panel firm or keep our local solicitor and fork out for a TSB panel lawyer to act for them. We feel as though this is unjust; is there anything we can do?
No, not really. The home loan offered to you is subject to its various provisions, one of which will be that lawyers will be on the TSB conveyancing panel. in the past, most lenders had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for TSB
Are there restrictive covenants that are commonly picked up during conveyancing in Dover?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Dover. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am looking for a flat up to £305k and identified one near me in Dover I like with open areas and railway links in the vicinity, the downside is that it's only got 51 remaining years left on the lease. I can't really find anything else in Dover suitable, so just wondered if I would be making a mistake acquiring a short lease?
Should you need a home loan the remaining unexpired lease term may be a potential deal breaker. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the premises for at least twenty four months you could ask them to commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor regarding this.
How do I identify a Dover solicitor on the Birmingham Midshires conveyancing panel? I have wheels and am happy to travel upto 10miles to meet the lawyer.
Feel free to make use of the search on this page. Please choose the mortgage company and your location and you will see a number of Dover conveyancing lawyers based on proximity. We have detailed some Dover conveyancing firms towards the end of this page and you can call them to see if they are on the Birmingham Midshires approved list
I am using a search engine for the term conveyancing in Dover it brings up numerous conveyancersin the area. With so much choice what is the best way to find the right conveyancer for my move?
The best way of seeking a suitable conveyancer is through a trusted recommendation, so ask friends and family who have bought a property in Dover or the reputable estate agent or financial adviser. Costs for conveyancing in Dover differ, so it's advisable to secure a minimum of three estimates from varying types of property lawyers. Be sure to secure confirmation what costs in the quote includes.