Do the conveyancing lawyers that you recommend execute auction conveyancing in Otford?

There are a few auction lawyers we can put you in touch with those conducting auction conveyancing. Otford is one of the many locations in which our lawyers cover.

A relative informed me that in purchasing a property in Otford there could be a number of restrictions preventing external changes to the property. Is this right?

There are a number of properties in Otford which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Otford should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

Are all Otford Conveyancing Quality Solicitors on the Principality conveyancing list of approved solicitors?

A selection of lenders now utilise the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.

I have finally had an offer on a maisonette in Otford agreed to, the owners do nevertheless have a dependent purchase. The owners have put an offer on a property, but it’s not yet tied up, and are looking at other apartments in the pipeline. I have chosen a nearby conveyancing solicitor in Otford. What do I do now? When should I get the mortgage application with HSBC going?

It is understandable to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is in the region of one thousand pounds, then valuation, Otford conveyancing search costs, etc). The first thing to do is ensure that your property lawyer is on the HSBC approved list. Concerning the subsequent phase this very much depends on the specifics of your case, desire for the property and on the state of the market. In a rising market many home buyers would apply for the mortgage with HSBC and arrange for the valuation and only if it comes back ok would they pay their lawyer to move forward with the conveyancing in Otford.

I have recentlyfound out that Wolstenholmes have closed. They conducted my conveyancing in Otford for a purchase of a leasehold flat 10 months ago. How can I establish that my home is in my name in the name of the previous owner?

The easiest way to see if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Otford conveyancing specialists.

I'm buying my first flat in Otford benefiting from help to buy. The builders would not move on the amount so I negotiated 6k of fixtures and fittings instead. The estate agent told me not disclose to my lawyer about this extras as it could affect my mortgage with the lender. Do I keep my lawyer in the dark?.

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.

What is the reason for my property lawyer requiring various items of ID before they can commence with my conveyancing in Otford?

Otford conveyancers are obliged by the Law Society, SRA, HMLR and current Money Laundering legislation to certify that the have verified the identity of their clients. It is also sometimes a condition of your lender if you are taking a mortgage. In addition they have to complete various forms, particularly those relating to SDLT and need to have information such as your full names, NI number and DOB.