Is there a list of Leeds Building Society panel conveyancers in Moseley on the Council of Mortgage Lender’s Website?

No. There is no such facility on the Council of Mortgage Lenders or Building Society Association sites. Very few lending institutions make their panel listings available on the web. Where you are in need of a Moseley solicitor on the Leeds Building Society please make the most of our facility.

I currently have a mortgage with Aldermore for my property in Moseley. Conveyancing has been completed 12 months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Aldermore?

Your original mortgage agreement with Aldermore will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Aldermore’s mortgage conditions. In many cases banks or building societies will allow you to rent 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 Aldermore directly. It should not be necessary to do this via a Aldermore conveyancing panel lawyer.

It is not clear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Moseley bank branch on a couple of occasions and was informed it wasn't an issue and they would lend. My Moseley conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they refuse to lend based on their specific requirements. Who do I believe?

The property lawyer has to comply with the CML Handbook section two conditions for your bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

I decided to have a survey done on a property in Moseley ahead of appointing lawyers. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some banks will refuse to grant a mortgage on this type of premises.

It depends who your proposed lender is. HSBC has different requirements from Halifax. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Moseley. Conveyancing may be slightly more expensive based on your lender's requirements.

What tools are available to identify a Moseley solicitor on the Alliance & Leicester conveyancing panel? I drive a motor bike and am happy to travel upto 25miles to meet the conveyancer.

Feel free to make use of the facility on this page. Please select a lender and your location and you will see a number of Moseley conveyancing lawyers locally. We have detailed some Moseley conveyancing firms at the bottom of this page and you can telephone them to check if they are on the Alliance & Leicester member panel

I need to appoint a conveyancing solicitor for purchase conveyancing in Moseley. I've stumble across a web site which appears to be the perfect offering If there is a chance to get all formalities completed via phone that would be ideal. Do I need to be wary? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

All being well we will complete our sale of a £425,000 flat in Moseley next Friday. The freeholder has quoted £408 for Landlord’s certificate, insurance certificate and previous years service charge statements. Is it legal for a freeholder to charge such fees for a leasehold conveyance in Moseley?

Moseley conveyancing on leasehold maisonettes nine out of ten times necessitates administration charges levied by managing agents :

Answering pre-exchange questions Where consent is required before sale in Moseley Copies of the building insurance and schedule Deeds of covenant upon sale Registering of the assignment of the change of lessee after a sale

Your conveyancer will have no control over the level of the charges for this information but the average costs for the information for Moseley leasehold property is £350. For Moseley conveyancing transactions it is customary for the seller to pay for these costs. The landlord or their agents are under no legal obligation to answer such questions most will be willing to do so - albeit often at exorbitant prices where the fees bear little relation to the work involved. Unfortunately there is no law that requires fixed charges for administrative tasks. Neither is there any legal time frame by which they are obliged to provide answers.

Leasehold Conveyancing in Moseley - A selection of Queries before buying

How is the lease structured? Please tell me if there are any major works in the near future that could increase the maintenance costs?