As a FTB what is the most important piece of guidance you can impart concerning purchase conveyancing in Chichester?

You may not hear this from too many lawyers but conveyancing in Chichester or throughout England and Wales is an adversarial process. In other words, when it comes to conveyancing there exists lots of opportunity for confrontation between you and others involved in the ownership transfer. E.g., the seller, estate agent and even potentially your mortgage company. Choosing a lawyer for your conveyancing in Chichester an important selection as your conveyancer is your adviser, and is the ONLY person in the process whose interest is to act in your best interests and to keep you safe.

On occasion a potential adversary may try and sway you that it is in your interests to do things their way. For instance, the property agent may claim to be helping by suggesting your solicitor is wrong. Or your financial adviser may tell you to do take action that is contrary to your solicitors guidance. You should always trust your lawyer above all other parties in the home moving process.

What can a local search tell me concerning the house my wife and I buying in Chichester?

Chichester conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search company such as PSG The local search plays a central role in many a Chichester conveyancing purchase; as long as you wish to avoid any nasty surprises after you move into your property. The search will reveal data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic headings.

I am purchasing my first flat in Chichester with a loan from Clydesdale. The builders would not budge the amount so I negotiated 6k of fixtures and fittings instead. The sale representative suggested that I not inform my solicitor about this extras as it could impact my loan with the bank. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the developer 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.

Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what should have been a simple, no chain conveyancing. Chichester is the location of the property. Is there any advice you can give?

Flying freeholds in Chichester are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Chichester you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chichester may ascertain 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 residence.

I'm converting the mortgage on my primary home to a BTL mortgage with Barnsley Building Society and intend to use the remaining equity as a deposit on a second property. The location we are interested in is Chichester. Will your lawyers be able to act for the two lenders and tie in the two deals?

Make use of our comparison tool on this page to check that the lawyers are on the appropriate lender panels. Having checked that they are your lawyer will be able to simultaneously deal with the two conveyancing matters but you should have a chat with you conveyancer and make apparent your expectations and requirements.