I am hoping to receive a offer of a home loan from Halifax. I hope to enlist the help of a Licensed Conveyancer in Strawberry Hill. Does the Halifax Conveyancing panel include Licensed Conveyancers?

The Halifax approved solicitor list is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

We previously appointed solicitors with offices in Strawberry Hill on the Nottingham solicitor approved list. They have just invoiced me a further sum for dealing with the Nottingham mortgage. Is this a supplemental conveyancing fee set by Nottingham?

As unfair as it may seem, as long as it’s in their Terms and Conditions or estimate then yes your conveyancing practitioner can levy a fee for this. This charge is not dictated by Nottingham but by your Strawberry Hill lawyer. Numerous firms on the Nottingham panel will charge ’dealing with mortgage’ fee and others do not.

Can I be sure that the Strawberry Hill conveyancing solicitor on the Bank of Ireland panel is any good?

When it comes to conveyancing in Strawberry Hill seeking recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the solicitor carrying out your transaction.

I currently have a mortgage with Clydesdale for my property in Strawberry Hill. Conveyancing was finalised months 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 Clydesdale?

You must advise Clydesdale prior to letting out your property as this is likely to be a breach of Clydesdale’s mortgage conditions. In many cases banks or building societies will allow you to rent 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 Clydesdale directly. You need not do this via a Clydesdale conveyancing panel lawyer.

Will our solicitor be raising questions about flooding during the conveyancing in Strawberry Hill.

Flooding is a growing risk for conveyancers dealing with homes in Strawberry Hill. Some people will buy a house in Strawberry Hill, completely expectant that at some time, it may suffer from flooding. However, aside from the physical destruction, where a house is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or sell the premises. There are steps that can be taken during the course of a property purchase to forewarn the buyer.

Conveyancers are not best placed to give advice on flood risk, but there are a various searches that can be undertaken by the buyer or by their conveyancers which will figure out the risks in Strawberry Hill. The standard property information forms given to a buyer’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a usual question of the seller to determine whether the property has suffered from flooding. In the event that flooding has previously occurred and is not disclosed by the owner, then a buyer may issue a compensation claim stemming from an incorrect reply. A purchaser’s solicitors will also order an enviro report. This will indicate if there is any known flood risk. If so, further investigations should be made.

How does conveyancing in Strawberry Hill differ for newly converted properties?

Most buyers of new build or newly converted property in Strawberry Hill contact us having been asked by the developer to sign contracts and commit to the purchase even before the residence is built. This is because builders in Strawberry Hill tend to acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Strawberry Hill or who has acted in the same development.

I am a sole trader looking to lease a unit on a shopping parade. Can you recommend conveyancers offering no-sale-no charges for non-domestic conveyancing in Strawberry Hill for less than 2k?

We can recommend firms who have well rounded knowledge of commercial conveyancing in Strawberry Hill, including the sale and purchase of businesses as well as simply property. If you are looking to buy or sell a shop, pub, restaurant, office, retail unit or a complete business we can put you in touch with the right firm. As for the costs these will vary based on the structure and terms of the proposed transaction. Let us have your contact information or telephone us so that we may supply you with a fixed commercial conveyancing calculation.