Me and my fiance are buying a maisonette in Sandhurst. My property lawyer is not listed on the bank conveyancing list. Am I still permitted to appoint my Sandhurst conveyancing solicitor even though they are excluded from the mortgage company list of approved lawyers?

Your options include

• Complete the purchase with your preferred Sandhurst conveyancer but your lender will undoubtedly instruct a solicitor from their approved panel. This will result in additional cost together with likely delay.
• Get a new conveyancer to act in the purchase, making sure they are on the mortgage company conveyancing panel.
• Convince your lawyer to pull out all the stops to join the bank’s conveyancing panel

Why do I have to pay up front for conveyancing in Sandhurst?

Where you are retaining lawyers for conveyancing in Sandhurst your lawyer will ask you put them with funds to cover the the cost of the conveyancing searches. Ordinarily this is asked for to cover the fees of the Local Authority Search. If any down payment is payable against the purchase price then this should be asked for shortly prior to contracts are exchanged. The closing balance that is needed should be sent to your lawyer a few days ahead of the completion date.

Can you point me to a directory of Yorkshire BS panel conveyancers in Sandhurst on the UK Finance Lenders’ Handbook Website?

No. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of mortgage companies make their panel listings available on the web. If you are in need of a Sandhurst solicitor on the Yorkshire BS please make the most of our tool.

The formalities of my remortgage has taken place for my property in Sandhurst. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

After what seems like an age I have had an offer on a flat in Sandhurst agreed to, but there is a chain. The owners have offered on a flat, however it’s not yet tied up, and have viewings of other apartments in the pipeline. I have instructed a local conveyancing solicitor in Sandhurst. What do I do now? At what point should I apply for the mortgage with Clydesdale?

It is usual to have apprehensions where there is a chain as you are unlikely to want to incur costs too early (home loan application is approx one thousand pounds, then survey, Sandhurst conveyancing search costs, etc). The first thing to do is ensure that your conveyancer is on the Clydesdale conveyancing panel. Regarding the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot market some buyers would apply for a home loan with Clydesdale and arrange for the valuation and only if it was satisfactory would they request their conveyancing practitioner to press on with searches.

Will our conveyancer be raising enquiries concerning flooding as part of the conveyancing in Sandhurst.

The risk of flooding is if increasing concern for conveyancers carrying out conveyancing in Sandhurst. Plenty of people will acquire a property in Sandhurst, completely aware that at some time, it may be flooded. However, aside from the physical damage, where a property is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or sell the property. Steps can be carried out during the course of a property purchase to forewarn the purchaser.

Lawyers are not best placed to offer advice on flood risk, but there are a numerous searches that can be initiated by the purchaser or by their conveyancers which should give them a better understanding of the risks in Sandhurst. The conventional set of information given to a purchaser’s lawyer (where the Conveyancing Protocol is adopted) incorporates a usual question of the owner to find out if the property has ever been flooded. If flooding has previously occurred and is not revealed by the seller, then a purchaser could commence a claim for damages stemming from an incorrect reply. The purchaser’s lawyers should also commission an enviro report. This should indicate if there is a recorded flood risk. If so, further inquiries will need to be conducted.

My business partner and I are intending to lease a unit on a shopping parade. Can you recommend solicitors offering no-sale-no fees for commercial conveyancing in Sandhurst for less than £2000?

We can recommend firms who host a wealth of experience of commercial conveyancing in Sandhurst, including the sale and purchase of businesses as well as simply premises. If you are looking to buy or sell a shop, pub, restaurant, office, retail premises or a complete business we can find you the right firm. As for the fees these will vary based on the structure and complexity of the proposed transaction. Let us have your details or phone so as to enable us to supply you with a detailed commercial conveyancing quote.