At long last a mortgage offer from Santander for the refinancing of my 3 bedroom apartment is coming any day now. Could you recommend a low cost conveyancing solicitor in Oxshott?

You have arrived at the wrong site to search for cut-price fees for conveyancing in Oxshott. Our intention is to offer cost effective conveyancing but we do not advertise as being the cheapest. Avoid the trap of appointing companies offering the bait of £100 conveyancing in Oxshott. The optimum result, in choosing a lawyer for low cost conveyancing, you will earn what you pay for and at worst it will result in you being stung for extras and still not receive the service required.

Due to complete my purchase in Oxshott next Friday. My lawyer now wants me to supply her with evidence of content and building insurance for the property as he says that he has to check this in his capacity as lawyer for the lender. What does the insurance need to cover?

All property lawyers on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 conditions. These requirements are not limited to conveyancing in Oxshott.

How up to date is your search tool for Oxshott conveyancing solicitors on the Aldermore conveyancing panel? Do Aldermore send you an updated list?

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

I am assisting my niece sell her property in Oxshott. Will the solicitor order an energy performance certificate or it is for the owner to coordinate?

Following the abolition of HIPs, energy performance certificates was maintained a required element of selling a house. An energy assessment should be to hand before the property is marketed. It is not as aspect of the sale process that law firms normally arrange. Where you are using a Oxshott conveyancing lawyer they might be willing to arrange energy assessments due to their relationships with long established Oxshott energy assessors

I'm the sole recipient of my late mum's will and I have everything in my name alone, including the my former home in Oxshott. The Oxshott property was put into my name in December. I want to move. I understand that there is a CML six month 'rule', meaning my proprietorship could be treated the same way as if I'd bought the property in December. Will no one buy the property for half a year?

The Council of Mortgage Lenders’ handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be impacted by that. How sensible a view lenders take of it, depend on the mortgage company as this requirement is chiefly there to capture the purchase and immediately sell or the wholesaling and assigning of properties.

I currently have a mortgage with Kent Reliance for my property in Oxshott. Conveyancing was finalised months ago. In the event that I decide 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 Kent Reliance?

Kent Reliance must be informed of your intention before letting out your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. In many cases banks or building societies 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 Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel solicitor.

About to purchase a new build apartment in Oxshott. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Here is a sample of a few leasehold new build questions that you can expect your new-build leasehold conveyancing in Oxshott

If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. There must be mutual enforceability of lessee’s covenants. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. 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.