We are expecting a mortgage offer soon. The lender mentioned the mortgage came with free conveyancing. Does this mean I have to use their panel solicitor as I would much rather appoint a Barnsbury based conveyancing firm?

Do check but the chances are that appoint one of their panel solicitors should you take up the "fee-free" incentive. Speak to the mortgage company to ask if they make available a monetary alternative. In the past a few lenders offered a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor in Barnsbury.

Do I find a Licenced Conveyancer or Solicitor for conveyancing in Barnsbury?

There are many recorded licenced Conveyancers in Barnsbury and Solicitor firms in Barnsbury offering conveyancing We would stress that the two are supervised by regulatory bodies with both specialising in the legal aspects of the home buying process. Both can conduct associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.

I am helping my niece sell her house in Barnsbury. Does the solicitor order an EPC or do I organise this?

Following the abolition of HIPs, energy assessments was kept a mandatory component of selling a property. An energy performance certificate must be to hand prior to the property being advertised. It is not as aspect of the sale process that law firms ordinarily organise. Where you are using a Barnsbury conveyancing practitioner they may be able to arrange energy assessments given their relationships with long established local energy assessors

We had appointed conveyancing lawyers located in Barnsbury on the Leeds Building Society solicitor panel. They are now charging me a supplemental fee for handling the Leeds Building Society mortgage. Is this an additional conveyancing fee set by Leeds Building Society?

Unfortunately, so long as it is in their Terms and Conditions or Quote then yes your solicitor may levy a fee for this. This fee is not set by Leeds Building Society but by your Barnsbury conveyancer. Plenty of firms on the Leeds Building Society panel will charge an ‘acting for lender’ fee and others do not.

Will my conveyancer be raising questions concerning flooding during the conveyancing in Barnsbury.

The risk of flooding is if increasing concern for conveyancers dealing with homes in Barnsbury. There are those who purchase a house in Barnsbury, completely expectant that at some time, it may be flooded. However, aside from the physical destruction, if a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory building insurance, or dispose of the premises. Steps can be carried out as part of the conveyancing process to forewarn the buyer.

Lawyers are not best placed to impart advice on flood risk, but there are a numerous checks that may be initiated by the purchaser or on a buyer’s behalf which can figure out the risks in Barnsbury. The conventional set of information given to a purchaser’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a standard question of the owner to discover if the premises has suffered from flooding. If the premises has been flooded in past and is not notified by the seller, then a buyer may commence a legal claim for losses stemming from an inaccurate answer. A purchaser’s conveyancers may also commission an enviro search. This should disclose whether there is any known flood risk. If so, additional inquiries should be carried out.

Yesterday I discovered that there is a flying freehold element on a house I put an offer in two weeks back in what was supposed to be a straight forward, chain free conveyancing. Barnsbury is the location of the property. What do you suggest?

Flying freeholds in Barnsbury are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Barnsbury you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Barnsbury may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

I'm converting the mortgage on my primary property to a BTL loan with Santander and intend to use the remaining equity as a deposit on further house. The area we are talking about is Barnsbury. Will your lawyers be able to act for both sets of mortgage companies and link together the transactions?

Do use our comparison tool on this page to be sure that the conveyancers are approved by both banks. Assuming that they are your solicitor will be able to tie up the two conveyancing matters but you should talk with you lawyer and specify your desired outcome and requirements.