We are about to complete buying a property in Barlaston and Tittensor but as a result of wreckage from some water damage at the property I have managed to agree reparation from the owner of six thousand pounds by way of a adjustment in the price. I had intended this to be dealt with as part of a side agreement but HSBC are not allowing this. Should they have been notified?
Any solicitor being on the HSBC conveyancing panel is obliged to disclose to HSBC of any variations to the purchase price. If you were to refuse your property lawyer to disclose the reduction to HSBC then they would have to discontinue acting for you. In addition, HSBC and you would have to appoint a new solicitor for your conveyancing in Barlaston and Tittensor.
It is is a decade since I acquired my property in Barlaston and Tittensor. Conveyancing solicitors have just been appointed on the sale but I am unable to track down the title documents. Will this cause complications?
Don’t worry too much. First there is a chance that the deeds will be retained by the lender or they could be in the possession of the conveyancers who acted in the purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. The vast majority of conveyancing in Barlaston and Tittensor relates to registered property but in the rare situation where your home is unregistered it adds to the complexity but is not insurmountable.
Is it correct that all Barlaston and Tittensor CQS (Conveyancing Quality Scheme) solicitors are on the Santander conveyancing list of approved practices?
Some major banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS accreditation however gives no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitor practices wishing to join their approved list of conveyancing solicitors.
My offer was accepted on a property in Barlaston and Tittensor on 12/12/2025, valuation was booked five days later, received a clean bill of health. Solicitor appointed, so all that was missing was my mortgage offer. Having made daily calls to Nottingham and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Nottingham conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Nottingham to deal with your lawyer's application to be on the Nottingham conveyancing panel. There's no guarantee that your solicitor will be accepted.
Having read lots of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Barlaston and Tittensor solicitor - who is on the RBS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Barlaston and Tittensor surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Are there restrictive covenants that are commonly picked up during conveyancing in Barlaston and Tittensor?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Barlaston and Tittensor. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Jane (my partner) and I may need to let out our Barlaston and Tittensor ground floor flat temporarily due to a career opportunity. We instructed a Barlaston and Tittensor conveyancing practice in 2001 but they have since shut and we did not have the foresight to seek any guidance as to whether the lease allows us to sublet. How do we find out?
Your lease governs relations between the landlord and you the leaseholder; specifically, it will say if subletting is prohibited, or permitted but only subject to certain conditions. The accepted inference is that if the lease contains no specific ban or restriction, subletting is allowed. The majority of leases in Barlaston and Tittensor do not prevent subletting altogether – such a clause would undoubtedly devalue the flat. In most cases there is simply a requirement that the owner notifies the freeholder, possibly sending a duplicate of the sublease.
Leasehold Conveyancing in Barlaston and Tittensor - Sample of Questions you should consider Prior to Purchasing
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How much is the ground rent and service charge? Please tell me if there are any major works anticipated that could add a premium to the maintenance costs? The best form of lease arrangement is a share of the freehold. In this arrangement the tenants benefit from being in charge if their destiny and notwithstanding that a managing agent is frequently employed if the building is larger than a house conversion, the managing agent retained by the leaseholders.
Finally, a loan agreement from a mortgage company for the refinancing of my 2 bedroom flat is expected imminently. Are you able to recommend a low cost remortgage conveyancing lawyer in Barlaston and Tittensor ?
You have come to the wrong place to search for the lowest fares for conveyancing solicitors in Barlaston and Tittensor. Our aim is to provide excellent value conveyancing but our intention is not to work with the cheapest lawyers. Do not be fooled by companies offering low cost conveyancing in Barlaston and Tittensor.At best, in opting for cheap conveyancing, you will end up with what you pay for and at worst you will end up being stung for extras and still not get the service expected.