We note that you have a search directory identifying law firms on the Kent Reliance conveyancing panel. Do companies pay you a referral fee if I retain them for our conveyancing in Highcliffe?

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

My wife and I own a renovated Victorian property in Highcliffe. Conveyancing practitioner acted for me and HSBC Bank. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, the second leasehold with the matching property. Is it worth asking HSBC Bank to clarify?

You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Highcliffe and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with the conveyancing practitioner who conducted the purchase.

In sourcing the world wide web for the term conveyancing in Highcliffe it brings up many conveyancersin the area. How do I determine which is the right conveyancing solicitor for me?

The best method of choosing the right conveyancer is through a personal testimonial, so enquire of colleagues and those you trust who have purchased a property in Highcliffe or a respected estate agent or financial adviser. Fees for conveyancing in Highcliffe differ, so it's a good idea to secure a minimum of three quotes from different property lawyers. Dont forget to clarify what costs in the quote includes.

When it comes to leasehold conveyancing in Highcliffe what are the most common lease problems?

Leasehold conveyancing in Highcliffe is not unique. Most leases are unique and legal mistakes in the legal wording can result in certain clauses are erroneous. The following missing provisions could result in a defective lease:

Insurance obligations

A defective lease will likely cause issues when trying to sell a property primarily because it impacts on the ability to obtain a mortgage on the property. Santander, Virgin Money, and Bank of Ireland all have very detailed requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is defective they may refuse to grant the mortgage, obliging the buyer to withdraw.

Highcliffe Leasehold Conveyancing - A selection of Questions you should ask Prior to Purchasing

Is the freehold owned collectively by the leaseholders? What is the name of the managing agents? Plenty Highcliffe leasehold apartments will be liable to pay a service bill for the upkeep of the building invoiced by the freeholder. Where you acquire the flat you will have to pay this charge, normally quarterly during the year. This could be anything from a couple of hundred pounds to thousands of pounds for large purpose-built blocks. In all likelihood there will be a rentcharge for you to pay yearly, this is usually not a large sum, say about £50-£100 but you need to enquire as occasionally it could be prohibitively expensive.

Is it necessary during the course of the conveyancing process to attend the offices of the mortgage company conveyancing panel solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Highcliffe as it will be easier to pop in to their offices when needed.

Most conveyancing panel lawyers for the mortgage company undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. YOu dont have to use a conveyancing solicitor in Highcliffe. it would nevertheless be wise to check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.