As a first time buyer what is the most important piece of guidance you can give me about purchase conveyancing in Hoyland?

You may not hear this from too many lawyers but conveyancing in Hoyland and elsewhere in England and Wales is an adversarial process. Put another way, when it comes to conveyancing there exists plenty of opportunity for confrontation between you and others involved in the home moving process. E.g., the vendor, estate agent and sometimes the bank. Appointing a solicitor for your conveyancing in Hoyland should not be taken lightly as your conveyancer is your adviser, and is the ONLY party in the process whose role it is to protect your legal interests and to keep you safe.

On occasion a potential adversary may attempt to sway you that you should follow their advice. For instance, the selling agent may claim to be helping by suggesting your lawyer is wrong. Or your financial adviser may advise you to do take action that is against your solicitors recommendation. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.

I know that there are debates on Chancel Insurance on online forums. Am I compelled to take this when acquiring a property in Hoyland? or I am told that there is a law dating back centuries that could mean that owners of property living in a parish church boundary will be compelled to contribute towards maintenance to the chancel within the church. Is this relevant for conveyancing in Hoyland?

Unless a previous acquisition of the premises completed post 12 October 2013 you could expect lawyers handling conveyancing in Hoyland to remain encouraging a chancel search and or insurance against a claim.

I opted to have a survey done on a house in Hoyland before retaining solicitors. I have been informed that there is a flying freehold element to the house. My surveyor has said that some banks will refuse to issue a mortgage on such a property.

It depends who your proposed lender is. Santander has different requirements from Birmingham Midshires. Should you wish to telephone us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Hoyland. Conveyancing may be slightly more expensive based on your lender's requirements.

Am I best advised to choose a Hoyland conveyancing solicitor in close proximity to the house I am hoping to buy? I have an old university friend who can handle the legal formalities however her office is approximately 350miles away.

The benefit of a high street Hoyland conveyancing practice is that you can pop in to sign paperwork, hand in your identification documents and apply pressure on them where appropriate. Having local Hoyland know how is a bonus. That being said it's more important to get someone that will do a good and efficient job. If you know people who instructed your friend and the majority were impressed that must surpass using an unfamiliar Hoyland conveyancing solicitor solely due to them being local.

Our solicitor in Hoyland has uncovered a a legal deficiency with the lease for the flat we are buying in Hoyland. The other side have offered title insurance as a workaround. We are happy with insurance and will cover the costs. Our lawyer has advised that as he is on the lender conveyancing panel he must check that the lender is happy with this solution. Who is the client here, us or the mortgage company?

Just because you have a mortgage offer from the mortgage company does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Hoyland conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the bank are the client. The appropriate lender requirements must be adhered to by the lender conveyancing panel who has to balance acting for you and the bank