Can your site be used to find a Conveyancing solicitor in Godshill even if I’m not purchasing or disposing of a house, for instance where I intend to buy an office in Godshill with a mortgage from Accord Mortgages Ltd?

The service is mainly there to locate residential conveyancing solicitors in Godshill but we have set out at the end of this page a few Godshill commercial conveyancing firms. You will need to enquire with the company directly to check if they can also act for Accord Mortgages Ltd

is it true that all Godshill solicitors on the Bank of Ireland conveyancing panel are regulated by the Solicitors Regulatory Authority?

As solicitors, in order to be on the Bank of Ireland conveyancing panel they would need to be governed by the SRA. Many mortgage companies do list licenced conveyancers on their panel and in such a situation the organisation would be governed by the Council of Licensed Conveyancers.

I currently have a mortgage with RBS for my property in Godshill. Conveyancing has been completed a year ago. If I am intending 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 RBS?

Your original mortgage agreement with RBS will provide that you need their approval before letting out your property as this is likely to be a breach of RBS’s mortgage conditions. It may be that RBS will permit you to let 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 RBS directly. It should not be necessary to do this via a RBS conveyancing panel solicitor.

It is unclear whether my lender requires a lease extension. I have telephoned my Godshill bank branch on numerous occasions and was told it does not affect the mortgage offer and they would lend. My Godshill conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they refuse to lend based on their specific requirements. I have no idea who is right.

As long as the lawyer is on the mortgage company panel, they must comply with the CML Handbook specifications for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.

I am purchasing a new build house in Godshill with a mortgage from Birmingham Midshires. The builders refused to reduce the price so I negotiated 6k of fixtures and fittings instead. The house builders rep suggested that I not to tell my solicitor about this deal as it will jeopardize my mortgage with Birmingham Midshires. Is this normal?.

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.

How do I locate a Godshill law firm on the Santander conveyancing panel? I drive a motor bike and am willing to travel upto 10kilometers to meet the conveyancer.

You can use the search on this page. Please pick a mortgage company and your location and you will see a number of Godshill conveyancing lawyers located nearest you. We have detailed some Godshill conveyancing firms towards the end of this page and you can contact them to verify if they are on the Santander member panel

Planning to sign contracts shortly on a ground floor flat in Godshill. Conveyancing solicitors assured me that they are sending me a report next week. What should I be looking out for?

Your report on title for your leasehold conveyancing in Godshill should include some of the following:

You should know whether the lease allows you to alter or upgrade aspects of the property- you must be made aware as to whether any restrictions relates to all alterations or limited to structural alteration, and whether consent is mandated necessary Does the lease require carpeting throughout thus preventing wood flooring? What options are available to the landlord where you are in breach of your lease terms? Responsibility to repair and maintain the building. It is essential for you to know who is liable for the repair and maintenance of every part of the building The landlord’s rights to access the premises. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided.

Godshill Leasehold Conveyancing - A selection of Queries before Purchasing

The prefered form of lease arrangement is a share of the freehold. In this scenario the leaseholders have control and even though a managing agent is usually retained if the building is larger than a house conversion, the managing agent employed by the leaseholders. Is anyone aware of any major works in the planning that could add a premium to the maintenance fees?