I am need of leasehold conveyancing for an apartment in a relatively new development (five years built) in Lozells. The vast majority the properties are already occupied. Do I need carry out the neighbourhood searches as part of conveyancing in Lozells?

You would be putting yourself at risk in not carrying out Lozells conveyancing searches. Without searches you have no clarity over flooding, environmental etc which may mean you walk away due to potential problems down the line. If you are buying without a mortgage there is no legal requirement to have them, but we would absolutely advise in no uncertain terms that your solicitor conducts them. Where timings and price are top of your concerns you should consider with your solicitor about the option of search insurance

Can I use your services to find a Conveyancing solicitor in Lozells even if I’m not buying or selling a house, for example where I want to acquire an office in Lozells with a mortgage from Nottingham Building Society?

Our comparison service is primarily there to help choose residential conveyancing solicitors in Lozells but we have listed at the end of this page a few Lozells commercial conveyancing firms. You will need to make contact with the solicitors directly to check if they can also act for Nottingham Building Society

I'm purchasing my first flat in Lozells with a mortgage from Bank of Ireland. The developers would not move on the amount so I negotiated 6k of additionals instead. The sale representative advised me not disclose to my solicitor about the side-deal as it would affect my loan with Bank of Ireland. Is this normal?.

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 decided to have a survey completed on a property in Lozells ahead of retaining solicitors. I have been told that there is a flying freehold aspect to the property. My surveyor has said that some lenders will not grant a mortgage on a flying freehold property.

It varies from the lender to lender. HSBC has different instructions from Birmingham Midshires. If you call us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Lozells. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Lozells to see if the conveyancing will be more expensive.

I'm refinancing my existing home to a buy to let mortgage with Nottingham Building Society and intend to use the remaining equity towards further property. The neighborhood we are interested in is Lozells. Will your conveyancers be able to act for both sets of lenders and tie in the two deals?

Do use our comparison tool on this site to be sure that the solicitors are on the appropriate lender panels. Assuming that they are your conveyancer will be able to connect the two deals but you should have a chat with you solicitor and make clear your expectations and needs.