Our lender has suggested solicitors on their panel based in Aston but I would rather instruct a conveyancing lawyer in Aston local to me. Are you able to assist?
Not all Aston conveyancing solicitors are approved and listed on all lender’s conveyancing panel. Use the above find an approved solicitor tool to choose a Aston conveyancing conveyancer on the on the mortgage company panel.
Can you help - my lawyer advises that restrictive coveneant insurance is necessary on my purchase. What is the level of cover for Aston conveyancing?
The right level of restrictive coveneant indemnity insurance depends on your lender. It would differ for example between Halifax and Bank of Scotland. Conveyancing solicitors as opposed to members of the public take out such insurances.
I currently have a mortgage with HSBC for my property in Aston. Conveyancing has been completed 12 months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform HSBC?
HSBC must be informed of your intention before renting your property as this is likely to be a breach of HSBC’s mortgage conditions. It may be that HSBC 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 HSBC directly. It should not be necessary to do this via a HSBC conveyancing panel firm.
I am selling my apartment. I had a double glazing fitted in July 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Barclays are being pedantic. The Aston solicitor who is on the Barclays conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Barclays are insisting on a building regulation certificate. Why do Barclays have a conveyancing panel if they don't accept advice from them?
It is probably the case that Barclays have referred the matter to their valuer. The reason why Barclays may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
What does a local search tell me regarding the house my wife and I purchasing in Aston?
Aston conveyancing often starts with the applying for local authority searches directly from your local Authority or through a personal search company such as Onsearch The local search plays a central role in many a Aston conveyancing purchase; that is if you don’t want any nasty once you have moved into your property. The search will reveal data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic headings.
Due to the input of my in-laws I had a survey completed on a property in Aston before retaining lawyers. I have been told that there is a flying freehold element to the house. The surveyor advised that some lenders will not grant a mortgage on a flying freehold house.
It depends who your proposed lender is. Lloyds has different instructions for example to Nationwide. Should you wish to telephone us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Aston. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Aston to see if the conveyancing costs will increase in light of this.
Given that I am about to part with £400,000 on a garden flat in Aston I wish to talk to a conveyancer regarding thehouse move ahead of giving the go ahead to the firm. Can this be arranged?
We could not agree more - we would be delighted to talk to you we do not take any clients on without you first talking to the lawyer who will be conducting your property ownership legalities in Aston.There is no ‘factory style conveyancing’ - each client is an important individual, not a matter number. The practices that we put you in touch with believe that the figure you are quoted for your conveyancing in Aston should be the figure that you are charged.
We're novice buyers - had an offer accepted, yet the selling agent told us that the seller will only issue a contract if we appoint the agent's preferred lawyers as they want a ‘quick sale’. Our preferred option is to instruct a family conveyancer accustomed to conveyancing in Aston
We suspect that the owner is unaware of this ultimatum. Should the seller desire ‘a quick sale', taking such a hostile approach to a motivated purchaser is not the way to achieve this. Try to communicate with the owners directly and make the point that (a)you are serious buyers (b)you are ready to go, with mortgage lined up © you are chain free (d) you wish to move quickly (e)but you intend to appoint your own,trusted Aston conveyancing solicitors - rather thanthe ones that will provide their estate agent a introducer fee or meet his conveyancing thresholds demanded by head office.