We are buying a 1 bedroom flat in Horsham with a mortgage. We would like to retain our Horsham lawyer, but the mortgage company advise he's not on their "panel". It appears that we have no option but to instruct one of the lender panel solicitors or keep our Horsham property lawyer as well as pay for one of their panel ones to act for them. We consider that this is inequitable; are we not able to demand that the lender use our Horsham solicitor ?

Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Horsham conveyancing lawyer to apply to be on the conveyancing panel.

Are the Horsham conveyancing solicitors identified as being on the Yorkshire BS conveyancing panel, together with their details provided by Yorkshire BS?

Horsham conveyancing firms themselves provide us confirmation that they are on the Yorkshire BS conveyancing panel as opposed to being supplied with a list from Yorkshire BS directly.

Do I need to attend the offices of the solicitor to sign the mortgage deed? If so, I will choose one who does conveyancing in Horsham so that I can attend their offices when needed.

Nowadays approved lawyers for banks carry out the vast majority of communications through Royal Mail, e-mail or over the phone. This enables them to carry out the conveyancing transaction regardless of where you live in England or Wales. Nevertheless you can check if you can still book an appointment to visit conveyancing lawyer if you prefer.

I am a sole trader hoping to lease a unit on a shopping parade. Can you recommend conveyancers offering no-sale-no charges for non-domestic conveyancing in Horsham for below 2k?

We are happy to recommend firms who have well rounded knowledge of commercial conveyancing in Horsham, including the disposal and acquisition of businesses as well as simply property. Whether you are hoping to purchase or sell a shop, pub, restaurant, office, retail unit or a whole business we will put you in touch with the right lawyer. Regarding the charges this will depend on the structure and complexity of the proposed transaction. Let us have your details or call us so that we may supply you with a fixed commercial conveyancing calculation.

In relation to leasehold conveyancing in Horsham what are the most frequent lease problems?

There is nothing unique about leasehold conveyancing in Horsham. Most leases are individual and legal mistakes in the legal wording can sometimes mean that certain sections are wrong. For example, if your lease is missing any of the following, it could be defective:

Service charge per centages that don't add up correctly leaving a shortfall

You may encounter a problem when selling your property if you have a defective lease as they can affect a potential buyer’s ability to obtain a mortgage. Halifax, The Mortgage Works, and TSB all have express requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease is problematic they may refuse to grant the mortgage, obliging the purchaser to pull out.

Leasehold Conveyancing in Horsham - Sample of Questions you should ask before Purchasing

How much is the maintenance charge and ground rent on the flat? This question is important as a) areas may cause problems in the block as the communal areas may start to deteriorate if maintenance remain unpaid b) if the leaseholders have a dispute with the managing agents you will wish to have all the details