My IFA has asked me for my Hook Norton solicitor’s panel member for the HSBC conveyancing panel. How do I discover this. I have contacted my local Hook Norton branch but they cant find it on their system.

The sensible thing to do is ask for this information from your Hook Norton lawyer . They keep a central record lender panel numbers.

Should my conveyancer be making enquiries concerning flooding as part of the conveyancing in Hook Norton.

Flooding is a growing risk for solicitors dealing with homes in Hook Norton. Plenty of people will purchase a property in Hook Norton, fully expectant that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, if a house is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or dispose of the premises. There are steps that can be taken as part of the conveyancing process to forewarn the buyer.

Solicitors are not best placed to offer advice on flood risk, but there are a various checks that may be undertaken by the buyer or by their solicitors which can figure out the risks in Hook Norton. The standard property information forms given to a purchaser’s conveyancer (where the Conveyancing Protocol is adopted) incorporates a usual inquiry of the seller to determine whether the premises has suffered from flooding. In the event that flooding has previously occurred and is not revealed by the owner, then a purchaser may commence a claim for damages stemming from an incorrect reply. A purchaser’s conveyancers may also conduct an enviro report. This should higlight whether there is any known flood risk. If so, more detailed investigations should be initiated.

I got the keys to my flat on 2 November and the transaction details is yet to be on the land registry website. Should I be concerned? My conveyancing solicitor in Hook Norton said it would be registered in a couple of weeks. Are titles in Hook Norton uniquely lengthy to register?

There is nothing unique about conveyancing in Hook Norton registration formalities. As opposed to being determined by geographic area, timeframes can differ subject to the party submitting the application, whether it is in order and if the Land registry need to notify any other persons or bodies. At present roughly 80% of such applications are fully addressed within 12 days but some can be subject to protracted hold-ups. Historically registration takes place once the purchaser has moved in to the premises thus 'speed' is not typically top priority yet if it is urgent that the the registration takes place urgently then you or your conveyancer must communicate with the Registry to express the reasoning for an expedited registration.

I'm converting the mortgage on my existing home to a BTL mortgage with Nationwide Building Society and I will use the ballance of the raised equity as a deposit on further house. The neighborhood we are talking about is Hook Norton. Will your conveyancers be able to act for both sets of mortgage companies and tie in the transactions?

Make use of our search tool on this site to check that the lawyers are on the relevant lender panels. On the basis that they are the solicitor will be able to connect the two conveyancing matters but you should have a chat with you conveyancer and communicate your desired outcome and requirements.

Can you provide any top tips for leasehold conveyancing in Hook Norton with the purpose of speeding up the sale process?

• A significant proportion of the frustration in leasehold conveyancing in Hook Norton can be avoided where you appoint lawyers the minute you market your property and ask them to put together the leasehold documentation which will be required by the buyers’ representatives.
If you have carried out any alterations to the premises would they have required Landlord’s permission? Have you, for example laid down wooden flooring? Most leases in Hook Norton state that internal structural changes or laying down wooden flooring require a licence issued by the Landlord consenting to such changes. If you fail to have the approvals in place do not communicate with the landlord without contacting your conveyancer before hand. The majority of landlords or Management Companies in Hook Norton charge for supplying management packs for a leasehold home. You or your lawyers should enquire as to the actual amount of the charges. The management information can be applied for as soon as you have a buyer, thus reducing delays. The typical amount of time it takes to obtain the necessary information is three weeks. It is the most frequent cause of delay in leasehold conveyancing in Hook Norton. A minority of Hook Norton leases require Licence to Assign from the landlord. If this is the case, you should place the estate agents on notice to make sure that the purchasers obtain bank and professional references. The bank reference will need to confirm that the buyers are financially capable of paying the annual service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the actual amount of the service charge so that they can pass this information on to the buyers or their lawyers. If you are supposed to have a share in the freehold, you should make sure that you hold the original share certificate. Organising a new share certificate is often a lengthy process and delays many a Hook Norton conveyancing deal. If a new share certificate is required, you should approach the company officers or managing agents (if relevant) for this sooner rather than later.

Hook Norton Leasehold Conveyancing - Examples of Questions you should ask before buying

Does this lease have in excess of 85 years unexpired? The answer will be important as a) areas could cause problems for the building as the communal areas may begin to deteriorate if maintenance are not paid for b) if the leaseholders have an issue with the running of the building you will wish to have complete disclosure Who takes responsibility for maintaining and repairing the building?