I have just started taking steps with the aim of changing my domestic home loan to a Buy to Let Nationwide Building Society mortgage. I was told by my mortgage that I must appoint a lawyer as part of the process. I had a chat the same Colney Hatch conveyancing firm who who conducted the conveyancing when I previously acquired the premises. The costs illustration sent of £550 is an eye-watering amount to do this as I am not require purchase conveyancing - it’s simply a bog-standard refinance.

The estimate does seem a tad steep. If you you were to look around you might trim some of the cost by say £100 plus VAT. That being said, providing that you were satisfied with the legal work the firm provided you maylive to rue opting for an an unknown lawyer. Remember to be sure the conveyancer can represent Nationwide Building Society. Do make use of our search tool to choose a Colney Hatch conveyancing firm on the Nationwide Building Society member panel, which can often include conveyancing solicitors in Colney Hatch.

What is your number one tip for finding a conveyancing solicitor in Colney Hatch

Do not opt for the lowest Colney Hatch conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.

We are buying a victorian detached house in Colney Hatch. Our aim is to carry out an extension to the side at the property.Will the conveyancing process involve investigations to see if these works are prohibited?

Your conveyancer should check the deeds as conveyancing in Colney Hatch will occasionally reveal restrictions in the title deeds which restrict categories of works or necessitated the consent of another owner. Many extensions require local authority planning consent and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be wise to check these issues with a surveyor before you commit yourself to a purchase.

I currently have a mortgage with Co-operative for my property in Colney Hatch. Conveyancing has been completed 12 months ago. Should I wish 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 Co-operative?

Co-operative must be informed of your intention prior to letting out your property as this is likely to be a breach of Co-operative’s mortgage conditions. In many cases banks or building societies 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 Co-operative directly. It should not be necessary to do this via a Co-operative conveyancing panel firm.

Me and my brother have a semi-detached Edwardian house in Colney Hatch. Conveyancing lawyer represented me and Leeds Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold with the matching address. If a house is not a freehold shouldn't I have been informed?

You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Colney Hatch and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the situation with the conveyancing solicitor who conducted the work.

About to purchase a new build apartment in Colney Hatch. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here is a sample of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Colney Hatch

The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Forfeiture - bankruptcy or liquidation must not apply under this provision. There must be mutual enforceability of lessee’s covenants. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore.

How much experience do your Colney Hatch conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?

Colney Hatch conveyancing lawyers help thousands of people move home every year and helped plenty of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Colney Hatch conveyancers have worked on recent similar cases.