I was notified today by my mortgage adviser that my Fairwater lawyer is not on the lender Conveyancing panel. What can I do to be certain whether this is indeed the case?
You need to call your Fairwater lawyer directly. It is reasonable to expect your lawyer to notify you of the situation. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your mortgage company.
Can I use your services to locate a Conveyancing solicitor in Fairwater even where I’m not purchasing or selling a house, for example where I intend to buy a shop in Fairwater with a mortgage from Halifax?
Our comparison service is mainly utilised to get a quote from residential conveyancing solicitors in Fairwater but we have listed at the bottom of this page a few Fairwater commercial conveyancing firms. You will need to speak with the company directly to see if they are also authorised to represent Halifax
I am buying a detached bungalow in Fairwater. Our aim is to an extension at the rear at the property.Will legal conveyancing on the property involve investigations to determine if these works were previously refused?
Your conveyancer will check the deeds as conveyancing in Fairwater will on occasion identify restrictions in the title documents which prevent certain changes or necessitated the permission of another owner. Many additions require local authority planning permissions and approval in accordance building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these issues with a surveyor prior to committing yourself to a purchase.
We previously selected conveyancers locally in Fairwater on the Kent Reliance solicitor approved list. They are now charging me a supplemental fee for handling the Kent Reliance mortgage. Is this an additional conveyancing fee set by Kent Reliance?
Unfortunately, so long as it is in their Terms and Conditions or estimate then yes your property lawyer can charge a fee for this. The charge is not dictated by Kent Reliance but by your Fairwater conveyancing practitioner. Plenty of firms on the Kent Reliance panel will levy an ‘acting for lender’ fee and others do not.
I've digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Fairwater solicitor - who is on the Clydesdale conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Clydesdale will need an independent valuation of the property. Your lawyer will not arrange this. Usually Clydesdale will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Fairwater postcode. As you are getting a mortgage with Clydesdale, you could contact them to see if they have a list of approved surveyors in Fairwater.
Due to the input of my in-laws I had a survey completed on a house in Fairwater in advance of retaining solicitors. I have been advised that there is a flying freehold overhang to the house. The surveyor advised that some banks tend not give a mortgage on a flying freehold home.
It depends who your proposed lender is. Lloyds has different instructions for example to Birmingham Midshires. If you e-mail us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Fairwater. Conveyancing will be smoother if you use a solicitor in Fairwater especially if they are familiar with such properties in Fairwater.
What does commercial conveyancing in Fairwater cover?
Non domestic conveyancing in Fairwater incorporates a broad range of services, offered by qualified solicitors, relating to business premises. For example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.