My Conveyancer in Handsworth has never been on on the Birmingham Midshires Approved Panel. Is it possible for me to continue with my family solicitor notwithstanding that they are excluded from the Birmingham Midshires list of approved lawyers?
The limited options available to you here include:
- Carry on with your existing Handsworth solicitors but Birmingham Midshires will need to retain a lawyer on their list of acceptable firms. This will inevitably rack up the total conveyancing fees as well as result in frustration.
- Get an alternative solicitor to act in the conveyancing, not forgetting to check they are on the Birmingham Midshires panel
My relative advised me that where I am buying in Handsworth I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is usually quoted for as part of the standard Handsworth conveyancing searches. It is a large document of more than thirty pages, listing and detailing significant information about Handsworth around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Handsworth Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with plans and statistics, Local Amenities and other useful data concerning Handsworth.
I'm purchasing a new build house in Handsworth with a loan from Skipton Building Society. The builders refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The property agent suggested that I not inform my solicitor about this side-deal as it would put at risk my loan with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey completed on a house in Handsworth prior to retaining lawyers. I have been informed that there is a flying freehold aspect to the property. The surveyor advised that some banks may not give a mortgage on a flying freehold home.
It varies from the lender to lender. Lloyds has different requirements for example to Nationwide. Should you wish to telephone us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Handsworth. Conveyancing may be slightly more expensive based on your lender's requirements.
I am using a search engine for the words on line conveyancing in Handsworth it brings up numerous property lawyersin the vicinity. How do I determine which is the right conveyancing solicitor for my move?
The preferential method of seeking the right conveyancer is through a personal referral, so ask colleagues and family who have purchased a property in Handsworth or the respected estate agent or mortgage broker. Costs for conveyancing in Handsworth vary, so it's advisable to secure a minimum of three costs illustrations from different law firms. Dont forget to clarify what costs in the quote includes.