We note that you have a search directory identifying firms on the TSB conveyancing panel. Do companies pay you a commission if I instruct them for our own conveyancing in Tidworth?

We are a listing service only for law firms wishing to communicate if they are on the TSB conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Tidworth.

I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Tidworth building society branch on a couple of occasions and was told it does not affect the mortgage offer and they will lend. My Tidworth conveyancing solicitor - who is on the lender conveyancing panel- telephoned to say that they will not lend in accordance with their published requirements. Who do I believe?

The conveyancing practitioner has to comply with the CML Handbook Part 2 provisions for your bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.

I recently had an offer agreed on a house in Tidworth. My mortgage broker recommended their conveyancers. I paid an upfront payment of £175. A few days later, the property lawyer contacted me sheepishly admitting that they were not on the Coventry BS conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Coventry BS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

Principality have agreed my mortgage in principle, my offer on a property in Tidworth has been agreed to, what happens next?

Your estate agent will need to know who your solicitors are (ensure that the conveyancing practitioners are on the bank’s panel). Call up Principality or the financial adviser and finalise any outstanding paperwork. Principality will instruct a valuer who will get in contact with the estate agent or owners to arrange an appointment. Once conducted (assuming no problems) it takes approximately a week to receive the mortgage offer. Principality will send the offer to you and your lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Tidworth.

Should our solicitor be asking questions concerning flooding during the conveyancing in Tidworth.

Flooding is a growing risk for lawyers dealing with homes in Tidworth. Some people will purchase a house in Tidworth, completely aware that at some time, it may suffer from flooding. However, leaving to one side the physical damage, if a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory insurance cover, or dispose of the property. There are steps that can be taken as part of the conveyancing process to forewarn the buyer.

Lawyers are not best placed to offer advice on flood risk, but there are a numerous checks that may be undertaken by the buyer or by their lawyers which should give them a better appreciation of the risks in Tidworth. The standard property information forms sent to a buyer’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a usual question of the vendor to determine whether the premises has suffered from flooding. If flooding has previously occurred which is not notified by the owner, then a purchaser could commence a legal claim for losses as a result of such an inaccurate answer. The purchaser’s lawyers should also conduct an environmental search. This should indicate if there is any known flood risk. If so, more detailed investigations should be initiated.

How does conveyancing in Tidworth differ for newly converted properties?

Most buyers of new build property in Tidworth come to us having been asked by the developer to sign contracts and commit to the purchase even before the residence is ready to move into. This is because developers in Tidworth tend to buy the real estate, 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 conveyancing solicitors 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 Tidworth or who has acted in the same development.

How easy is it to use the search tool to locate a conveyancing lawyer in Tidworth on the panel for my lender?

First pick a bank such as Birmingham Midshires, Virgin Money or Nottingham Building Society then specify your location a common one being Tidworth. Conveyancing organisations in Tidworth and nationally will then be shown.