Me and my partner are purchasing a house in Ombersley. It might be a silly question but how we can trust a solicitor? At some point we have to deposit money into their account. What protection do we have from them run away with our deposit?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Ombersley?

There are many registered licenced Conveyancers in Ombersley and Solicitor partnerships in Ombersley who can assist with your conveyancing We would stress that the two are supervised by regulatory bodies with both specialising in the legal work in transferring property. The two can conduct associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.

How can we tell if a Ombersley conveyancing solicitor on the Aldermore panel is any good?

When it comes to conveyancing in Ombersley obtaining recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advise that you speak with the lawyer handling your conveyancing.

Due to the input of my in-laws I had a survey completed on a house in Ombersley ahead of appointing lawyers. I have been advised that there is a flying freehold aspect to the property. The surveyor advised that some lenders may not give a mortgage on a flying freehold house.

It varies from the lender to lender. Santander has different requirements from Halifax. Should you wish to telephone us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Ombersley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Ombersley to see if the conveyancing will be more expensive.

Given that I will soon part with £400,000 on a property in Ombersley I would like to have a conversation with the lawyer about myhouse move in advance of instructing the firm. Can this be arranged?

This is something that we encourage - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer due to be doing your conveyancing in Ombersley.There is no ‘factory style conveyancing’ - every client is an important person, not a file reference. The practices that we put you in touch with believe that the figure you are quoted for residential conveyancing in Ombersley should be the amount on the final invoice that you end up paying.

Last September I purchased a leasehold property in Ombersley. Am I liable to pay service charges relating to a period prior to completion of my purchase?

In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Ombersley Leasehold Conveyancing - Examples of Queries Prior to buying

On the whole the cost for major works are not incorporated into the maintenance charges, albeit that a few managing agents in Ombersley obliged tenants to pay into a sinking fund and this is used to offset against major works. How much is the ground rent and service charge? Most Ombersley leasehold apartments will have a service charge for maintenance of the building set by the landlord. Where you purchase the property you will have to pay this liability, normally periodically throughout the year. This may vary from several hundred pounds to thousands of pounds for blocks with lifts and large communal grounds. In all likelihood there will be a ground rent to be met annual, ordinarily this is not a exorbitant sum, say about £50-£100 but you need to check it because on occasion it can be many hundreds of pounds.

My offer on house in Ombersley has been accepted, but there is a chain. The current proprietors have offered on on an apartment, however it’s not yet tied up, and has viewings of other apartments in the pipeline. I have chosen a local conveyancing lawyer in Ombersley. What should be my next step? At what stage should I apply for the mortgage with Kent Reliance?

It is understandable to have anxieties where there is an associated chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of one thousand pounds, then valuation, Ombersley conveyancing search charges, etc). The first thing to do is check that your conveyancing practitioner is on the Kent Reliance approved list. Regarding the subsequent stages this very much depends on the uniqueness of your transaction, desire for this property and on the state of the market. In a rising market some buyers would apply for a home loan with Kent Reliance and arrange for the valuation and only if it was satisfactory would they pay their conveyancer to proceed with searches.