I am in the throes of switching my domestic mortgage to a Buy to Let Barnsley Building Society mortgage. I have been informed by my broker that I require a lawyer for this. I had a chat the same Pagham conveyancing practitioner who dealt with the legals when I initially purchased the house. The quote sent of £575 plus disbursements has surprised me as its a remortgage than a sale or purchase.

The costs illustration is slightly on the high side. If you you were to look around you may be able to decrease the fees slightly by as much as £125. That being said, if you were happy with the assistance the firm gave you mightcome to regret opting for an an unknown solicitor. If is important to enquire the firm can also act for Barnsley Building Society. You can utilise our search tool to find a Pagham conveyancing firm on the Barnsley Building Society approved list of lawyers, which can often include conveyancing solicitors in Pagham.

All was ready to move into my new home in Pagham next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in his capacity as lawyer for the mortgage company. What risks does the mortgage company expect the insurance to cover?

Any lawyer on acting for mortgage companies 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 UK Finance Lenders’ Handbook instructions. These requirements are not limited to conveyancing in Pagham.

Me and my partner are purchasing a flat in Pagham. I might seem paranoid but how we can trust a solicitor? On completion day we will need to deposit funds into their account. What protection do we have from them run away with our monies?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

Does a directory service exist listing Aldermore panel conveyancers in Pagham on the UK Finance Lenders’ Handbook Website?

No. There is no such tool on the CML or Building Society Association sites. Very few banks make their panel listings available online. If you are seeking to appoint a Pagham lawyer on the Aldermore please make the most of our tool.

I had a mortgage agreed in principle with Co-operative. Pagham conveyancing lawyers were appointed. How long does it take for Co-operative to issue the offer to the lawyer?

There is no definitive answer here. Have Co-operative done the valuation? Have you informed Co-operative as to your lawyers' details and checked that your lawyers are on the Co-operative conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

three months have elapsed since my purchase conveyancing in Pagham took place. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I am buying a new build flat in Pagham. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here are examples of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Pagham

Please supply a car parking plan. 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. Forfeiture - bankruptcy or liquidation must not apply under this provision. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? There must be mutual enforceability of lessee’s covenants.