We note that you have a post code search directory listing law firms on the Skipton conveyancing panel. Do companies pay you a commission if I retain them for our own conveyancing in Aston on Trent?

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

Forgive me if this question is silly but I am unexperienced as FTB of a ground floor flat in Aston on Trent. Do I collect the keys to the house on the completion date from my solicitor? If so, I will find a High Street conveyancing solicitor in Aston on Trent?

On the day of completion you will not be required to attend the conveyancers office in Aston on Trent. Conveyancing lawyers for you will electronically transfer the completion advance to the vendor’s lawyers, and shortly after the monies have arrived, you should be able to collect the keys from the selling Agents and start moving into the property. This tends to happen early afternoon.

We had instructed solicitors locally in Aston on Trent on the HSBC solicitor panel. They have just billed me a supplemental charge for the legal aspects of the HSBC mortgage. Is this an additional conveyancing fee specified by HSBC?

As unfair as it may seem, as long as it’s in their Terms and Conditions or estimate then yes your solicitor can charge a fee for this. This charge is not dictated by HSBC but by your Aston on Trent property lawyer. Some firms on the HSBC panel will charge ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.

We have agreed to purchase a house in Aston on Trent. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Bank of Ireland be concerned?

Given that you are obtaining a mortgage with Bank of Ireland your lawyer must check the conveyancing requirements set out in Part 2 of UK Finance Lenders’ Handbook for Bank of Ireland. The Council of Mortgage Lenders’ Handbook sets out minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to Bank of Ireland where a lease fails to satisfy these requirements. The requirements relate to the installation of panels on properties in England and Wales and is not isolated to Aston on Trent.

How simple is it to use your search app to select a conveyancing lawyer in Aston on Trent on the panel for my mortgage?

1st pick a mortgage company such as Yorkshire Building Society, Norwich and Peterborough Building Society or Britannia then choose your preferred area for instance Aston on Trent. Conveyancing organisations in Aston on Trent and across England and Wales will then be identified.

Looking forward to sign contracts shortly on a basement flat in Aston on Trent. Conveyancing lawyers assured me that they are sending me a report next week. What should I be looking out for?

The report on title for your leasehold conveyancing in Aston on Trent should include some of the following:

An explanation concerning the obligations as set out in the lease to pay service charges - in respect of the block, and the more general rights a leaseholder has Your solicitors should enable you to have an understanding of the building insurance obligations The total extent of the premises. This could be the flat itself but could also incorporate a loft or basement if relevant. Are pets allowed in the flat? Defining your legal entitlements in respect of common areas in the building.For instance, does the lease permit a right of way over an accessway or staircase?

Aston on Trent Conveyancing for Leasehold Flats - Examples of Queries before buying

Who are the managing agents? This question is useful as a) areas can result in problems for the block as the communal areas may begin to deteriorate where repairs remain unpaid b) if the leaseholders have an issue with the running of the building you will want to have all the details The best form of lease structure is a share of the freehold. In this situation the lessees benefit from control and notwithstanding that a managing agent is usually retained if the building is larger than a house conversion, the managing agent is directed by the tenants.

My lawyers in Aston on Trent have advised me that no longer have my conveyancing file. To assist with my purchase I took out a mortgage with the bank. Is it case that being on the lender conveyancing panel they need to have retained the file for a number of years?

It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the lender Conveyancing Panel Terms. It might be worth you contacting the mortgage company directly.