We hired a Strood based firm for our conveyancing in Strood yesterday. Reviewing the Terms I noteI am liable for fees even if our purchase aborts. Should I go with them or choose a web based lawyer advertising no completion no cost conveyancing in Strood?

Generally there is a concession along the lines that if "No Completion No Fee" is advertised then the conveyancing charges will generally be higher to counteract those cases that do not proceed. Also remember that these offerings rarely protect you from expenses such your Strood conveyancing search fees.

I have been advised by my conveyancer that restrictive coveneant insurance is needed on my purchase. What is the level of cover for Strood conveyancing?

The right level of restrictive coveneant indemnity insurance depends on your lender. It would differ for example between Santander and Norwich and Peterborough Building Society. Conveyancing lawyers as opposed to borrowers take out such policies.

We were going to get a DIP from Kent Reliance this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Kent Reliance recommend any Strood solicitors on the Kent Reliance conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Strood solicitors independently although you'll need to choose one on the Kent Reliance conveyancing panel. The solicitor represents both you and Kent Reliance through the process.

I currently have a mortgage with Santander for my property in Strood. Conveyancing was finalised 12 months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Santander?

Your original mortgage agreement with Santander will provide that you need their approval in advance of renting your property as this is likely to be a breach of Santander’s mortgage conditions. It may be that Santander will allow you to rent 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 Santander directly. You need not do this via a Santander conveyancing panel lawyer.

I have been on the look out for a flat up to £195,000 and found one close by in Strood I like with open areas and railway links nearby, the downside is that it's only got 51 remaining years left on the lease. I can't really find anything else in Strood suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?

If you need a home loan the shortness of the lease may be problematic. Discount the offer by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the property for at least 2 years you may ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor regarding this.

Are there any apps to assist me to locate a Strood law firm on the Accord Mortgages Ltd conveyancing panel? I have a car and am willing to travel upto 20miles to meet the conveyancer.

Feel free to make use of the facility on this page. Please choose the lender and your location and you will see a number of Strood conveyancing lawyers based on proximity. We have listed some Strood conveyancing firms towards the end of this page and you can call them to verify whether they are on the Accord Mortgages Ltd approved list

Our offer on property in Strood was accepted, but there is a chain. The owners have offered on somewhere, although it’s not been accepted yet, and are looking at other flats booked. I have chosen a local conveyancing lawyer in Strood. What should be my next step? When should I get the mortgage application with UBS going with UBS?

It is usual to have anxieties where there is a chain given your reluctance to be too out of pocket prematurely (mortgage application is approx £1k, then survey, Strood conveyancing search costs, etc). The first thing to do is ensure that your conveyancer is on the UBS approved list. Regarding the subsequent stages this very much depends on the specifics of your transaction, desire for the property and on the state of the market. In a hot market many home buyers would apply for a home loan with UBS and arrange for the valuation and only if it was satisfactory would they request their conveyancing practitioner to move forward with the conveyancing in Strood.