Find a Lender-Approved Local Conveyancer in Crowthorne

Ready to buy a new home? Find a law firm approved by your lender.

Cheap conveyancing in Crowthorne does not necessarily mean low quality - but the odds are stacked against you

Reasons to use our Crowthorne conveyancing solicitors

  • 1 Our site is the first site that enables you the ability to ensure that your property ownership legalities in Crowthorne will be carried out by a property lawyer on your bank conveyancing panel.
  • 2 Crowthorne property lawyers have a significant advantage when it comes to Crowthorne conveyancing as they have important local knowledge of local authority requirements, planning policies and other matters that can impact your home move
  • 3 Using a high street Solicitor in the main means that you will receive a more personal touch. When using a large conveyancing firm, your matter is handled by a team of people who who update you by reading from their computer screens.
  • 4 Over the years Crowthorne property lawyer have developed very good connections with Crowthorne local estate agents, banks, building societies, landlords and house builders enabling them to liaise at speed with all concerned in the process of undertaking your home move in Crowthorne.
  • 5 Conveyancer conveyancing lawyers have excellent personal links with Crowthorne selling agents and work very closely with them and local surveyors so as to ensure transactions proceed expeditiously.

Examples of recent conveyancing in Crowthorne since March 2022*

Sale

of house residence, Fyfield Close, GU17 0HL completing on 17/03/2022 at a price of £385,000. The legal transfer of property incorporates some of the following tasks: sending conveyancing papers to buyers representatives, preparing statement detailing charges, sending title deeds and executed transfer to buyer’s solicitor

Sale

of terraced property, Halewood, RG12 8XB completing on 14/03/2022 at a price of £327,000. The conveyancing process incorporates some of the following tasks: sending the transfer to the vendor for signature in preparation for completion, taking formal instructions from and updating the seller client, ordering official copies of the title

Transfer

of terraced premises, Burnt Oak, RG40 4UQ completing on 16/03/2022 at a price of £465,000. The legal transfer of property included amongst the various tasks: taking formal instructions from and updating the seller client, preparing statement detailing charges, sending title deeds and signed transfer to purchaser’s lawyers

Disposal

of terraced property, Wards Stone Park, RG12 0GF completing on 14/03/2022 at a price of £330,000. The legal transfer of property included amongst the various tasks: sending conveyancing papers to buyers representatives, securing official copies of the title, preparing statement detailing charges

Recently asked questions about conveyancing in Crowthorne

I am not in a position to travel far from Crowthorne. Is there a reason why all Crowthorne conveyancing practitioners aren't included on all mortgage company panels?

Lenders point to the fact that solicitor-led fraud is thought to be responsible for millions of pounds of fraud annually.The dismissal of law firms off of lender panels started with the rise in mortgage fraud, which prompted a thematic review by the Financial Services Authority in 2011. Its outcome included recommendations for lenders to review their conveyancing panels, which triggered a major policy change in the sector. This led to lenders removing a number of firms from their books of approved conveyancing practitioners .

Can you explain why leasehold purchase conveyancing in Crowthorne is more expensive?

In summary, leasehold conveyancing in Crowthorne and elsewhere usually necessitates extra due diligence compared to freehold conveyancing. This includes checking the lease terms, communicating with the landlord concerning the service of appropriate notices, securing current service charge and management information, securing the landlord’s consents and reviewing management accounts. The obligations on both the landlord and the tenant in the lease need to be studied by the buyer’s conveyancing team and read from beginning to end – regardless of the fact the lease has passed through many different property solicitors hands since it was first entered into.

About to place a bid on a leasehold property in Crowthorne. The property agents tell me that it is usual for flats in Crowthorne to have less than 75 years left on the lease. I am taking out a loan with The Mortgage Works. Is this going to be a problem if the lease has 69 years to go.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 13/6/2022 the requirements read as follows :

Minimum unexpired lease term is 70 years with 30 years remaining at the end of the mortgage term.
Where the unexpired lease term is different to that recorded on the mortgage offer, the following clarifies if we need to be informed:

Second hand property:
- If the unexpired lease term on the offer is 85 years or more - only advise us if the actual lease term is less than 85 years
- if the unexpired lease term on the offer is less than 85 years – advise us if the actual lease term is different than reported
- For equity share applications - advise us if the actual lease term is different than reported on the offer

New build property:
- If the unexpired lease term stated on the offer is 125 years (flat) / 250 years (house) or more - only advise us if the actual lease term is less than 125 years (flat) / 250 years (house)
- For equity share applications - always advise us if the actual lease term is different than reported on the offer

Lease terms such as ground rent and event fees must be reasonable at all times during the term of the lease and adhere to our requirements below. If you’re unsure as to whether the terms of a lease are unreasonable or onerous, please refer the details to us in plain English for Valuer consideration. If the potentially onerous terms are in relation to the ground rent please include the current ground rent figure per annum, how often it will be reviewed and the price structure it will be reviewed against. See the guidance below.

SECOND HAND PROPERTIES

Unacceptable - advise Originations (Will be declined):
- Unexpired lease term less than 70 years
- Less than 30 years remaining at the end of the mortgage term
- Ground Rent greater than 0.5% of the property value
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI
- Ground Rent review period less than or equal to 5 years

Refer to Originations (Valuer will consider any impact on valuation figure and marketability):
- Unexpired lease term is 70 to 85 years
- Ground Rent greater than 0.1% and less than or equal to 0.5% of the property value
- Ground Rent escalation is linked to any indices greater than RPI
- Ground Rent escalation is linked to the value of the building*
- Ground Rent review period is greater than 5 and less than 10 years
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything that appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Originations):
- Unexpired lease term greater than 85 years
- Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than or equal to 10 years
- Ground Rent escalation less than or equal to RPI

NEW BUILD PROPERTIES (includes office conversions)

Unacceptable - advise Originations (Will be declined):
- Unexpired lease term less than 125 years on a new build flat or less than 250 years on a new build house
- Starting Ground Rent greater than 0.1% of the property value
- Ground Rent review period less than or equal to 5 years
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI

Refer to Originations (Valuer will consider any impact on valuation figure and marketability):
- Ground Rent is linked to any indices greater than RPI
- Ground Rent is linked to the value of the building*
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything else appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Originations):
- Unexpired lease term greater than or equal to 125 years on a new build flat or greater than or equal to 250 years on a new build house
- Starting Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than 5 years
- Ground Rent escalation less than or equal to RPI

* Where the Ground Rent escalation is linked to the value of the building, please provide the following:
- How is the value of the block/unit currently calculated and if the assessment relates to the block(s), how is the Ground Rent calculated/apportioned per property?
- The current valuation and Ground Rent for each unit
- What is the mechanism for future valuations of the block and how is the Ground Rent calculated/apportioned?
- What is the right of appeal? And is this a documented process within the lease?
- Who bears the cost of the valuation (and appeal) process?
- Confirmation the review period is not less than twenty years

Will commercial conveyancing searches reveal impending roadworks that could affect a commercial property in Crowthorne?

Many commercial conveyancing solicitors in Crowthorne will perform a SiteSolutions Highways report as it reduces the time that conveyancers invest in sourcing accurate data on highways that impact buildings and development assets in Crowthorne. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Crowthorne.

For every commercial conveyancing transaction in Crowthorne it is crucial to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately can result in delays to Crowthorne commercial conveyancing transactions as well as present a risk to future plans for the site. These searches are not conducted for domestic conveyancing in Crowthorne.

How does conveyancing in Crowthorne differ for newly converted properties?

Most buyers of new build premises in Crowthorne come to us having been asked by the developer to exchange contracts and commit to the purchase even before the house is finished. This is because developers in Crowthorne tend to acquire the land, 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 conveyancers 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 accustomed to new build conveyancing in Crowthorne or who has acted in the same development.

I've recently found out that there is a flying freehold issue on a house I have offered on a fortnight ago in what was supposed to be a simple, no chain conveyancing. Crowthorne is where the house is located. What do you suggest?

Flying freeholds in Crowthorne are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Crowthorne you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Crowthorne may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

Last updated

Commercial Conveyancing solicitors in Crowthorne regulated by the SRA

The firms listed below are a non-comprehensive list of solicitors in Crowthorne practicing in commercial conveyancing in Crowthorne. This will likely include advice on granting a lease to a commercial tenant
  • Dickens & Co, Richmond House, 281 High Street, Crowthorne, Berkshire, RG45 7AH
  • Rowberrys, Sherwood House, 104 High Street, Crowthorne, Berkshire, RG45 7AX
  • Tlsk Solicitors Limited, 3 Stanhope Gate, Yorktown Business Park, Camberley, Surrey, GU15 3DW
  • Neale Turk Rochfort, 12 Kings Ride, Camberley, Surrey, GU15 4JG
  • Lee & Company, 2 Princess Way, Camberley, Surrey, GU15 3SP

Domestic Licensed Conveyancers in Crowthorne regulated by the CLC

Please note that the listed conveyancers do not limit their work for conveyancing in Crowthorne but also conveyancing throughout England and Wales.
  • Vickery Conveyancing Ltd, 75/79 Park Street, GU15 3PE
  • Dorling Cottrell Limited, 1 Station Square , RG12 1QB
  • Bradleys Property And Probate Lawyers, 76 Frimley High Street, GU16 7HP
  • Brogan Property Lawyers Ltd, 90 High Street, GU16 7JE
  • Pure Property Law Partners Limited, 29a High Street , SL5 7HG

Planning law solicitors in Crowthorne regulated by the Solicitors Regulation Authority

The list below is a small selection of solicitors in Crowthorne practicing in planning law. The solicitors can give expert legal advice on all aspects of planning, including special planning controls
  • Neale Turk Rochfort, 12 Kings Ride, Camberley, Surrey, GU15 4JG
  • Charles Platel & Partners (solicitors) Limited, 2 Anvil Court, 50 Denmark Street, Wokingham, Berkshire, RG40 2BB
  • Clifton Ingram Llp, 22-24 Broad Street, Wokingham, Berkshire, RG40 1BA

*Source acknowledgement: House price data produced by Land Registry as well data supplied by Lexsure Ltd.

© Crown copyright material is reproduced with the permission of Land Registry under delegated authority from the Controller of HMSO.