Would the conveyancing practitioners that you recommend handle right to buy conveyancing in Hilperton?

We do have a variety of conveyancing specialists who can service right to buy transactions You should e-mail us to secure a costs illustration.

I just acquired a house at auction in Hilperton. Conveyancing is needed. What are my next steps?

Given that you are now for all intents and purposes signed on the dotted line you now have to choose a conveyancing practitioner soon as you now have a fast approaching a drop dead date to complete the property. Every auction property will ordinarily have a bespoke auction set of papers. This will likely include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold premises the conveyancing papers may contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation specific to leasehold premises. You should pass this on to your appointed conveyancing solicitor ASAP. Do make sure that your finances are in order to complete the transaction on the set completion date.

Is it the case that all Hilperton solicitor firms on the Santander conveyancing panel are regulated by the Solicitors Regulatory Authority?

As solicitors, in order to be on the Santander approved list of solicitors they would need to be regulated by the SRA. Many lenders do permit licenced conveyancers on their panel in which case such practice would be regulated by the Council of Licensed Conveyancers.

The mortgage over my property is with Co-operative for my property in Hilperton. Conveyancing has been completed 12 months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Co-operative?

Your original mortgage agreement with Co-operative will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Co-operative’s mortgage conditions. It may be that Co-operative will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Co-operative directly. It should not be necessary to do this via a Co-operative conveyancing panel solicitor.

How does conveyancing in Hilperton differ for new build properties?

Most buyers of new build or newly converted property in Hilperton approach us having been asked by the seller to exchange contracts and commit to the purchase even before the property is finished. This is because new home sellers in Hilperton typically acquire the real estate, 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 Hilperton or who has acted in the same development.

I decided to have a survey carried out on a house in Hilperton prior to retaining lawyers. I have been informed that there is a flying freehold element to the property. My surveyor advised that some lenders tend not give a loan on such a premises.

It depends who your proposed lender is. Santander has different requirements from Nationwide. Should you wish to telephone us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Hilperton. Conveyancing will be smoother if you use a solicitor in Hilperton especially if they are accustomed to such properties in Hilperton.

Helen (my wife) and I may need to rent out our Hilperton 1st floor flat temporarily due to a career opportunity. We used a Hilperton conveyancing firm in 2003 but they have since shut and we did not think at the time get any guidance as to whether the lease prohibits the subletting of the flat. How do we find out?

The lease governs the relationship between the freeholder and you the leaseholder; in particular, it will set out if subletting is prohibited, or permitted but only subject to certain conditions. The accepted inference is that if the lease contains no expres ban or restriction, subletting is permitted. Most leases in Hilperton do not contain an absolute prevention of subletting – such a clause would undoubtedly devalue the flat. Instead, there is usually simply a requirement that the owner notifies the freeholder, possibly supplying a duplicate of the tenancy agreement.

Hilperton Conveyancing for Leasehold Flats - Sample of Questions you should ask Prior to buying

Is the freehold owned jointly by the leaseholders? Who are the managing agents? How long is the Lease?