I am not well enough to travel far from Shirehampton. What is the rationale as to why all Shirehampton conveyancing practitioners are not on all mortgage company panels?

Banks highlight the fact that solicitor-led fraud is considered to be responsible for millions of pounds of fraud annually.The dismissal of law firms from lender panels started with the rise in mortgage fraud, which prompted a thematic review by the Financial Services Authority in 2011. Its conclusions included recommendations for mortgage companies to review their conveyancing panels, which kicked off a major policy change in the sector. It resulted in mortgage companies removing a number of firms from their panel of approved conveyancing practitioners .

We are purchasing a property and the lawyer has mentioned Chancel Repair to which the house may be liable given it’s proximity to the area of such a church. She has mentioned insurance. Is this really appropriate for conveyancing in Shirehampton

Unless a previous acquisition of the premises took place after 12 October 2013 you can take it that conveyancing practitioners carrying out conveyancing in Shirehampton to continue to recommend a chancel search and or chancel repair liability insurance.

Over the last few months I have been searching for a leasehold apartment up to £245,000 and identified one close by in Shirehampton I like with a park and transport links in the vicinity, however it only has 52 years unexpired on the lease. There is not much else in Shirehampton in this price bracket, so just wondered if I would be making a grave error acquiring a lease with such few years left?

Should you need a home loan the shortness of the lease may be a potential deal breaker. Reduce the offer by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for a minimum of 2 years you may ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should speak to your conveyancing solicitor concerning this matter.

How easy is it to switch conveyancer as I need to instruct a firm on the Halifax conveyancing list. I was using a family conveyancing solicitor in Shirehampton round the corner but she is not accepted by Halifax

It would be our pleasure to help you select a conveyancing solicitor in Shirehampton on the Halifax panel. Please note that the property lawyers that we list do not pay us commission if you instruct them and are regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Shirehampton. In making use of the find a conveyancing solicitor tool on this site, you can scrutinise charges for conveyancing solicitors in Shirehampton and beyond.

I today plan to offer on a house that appears to be perfect, at a reasonable figure which is making it more attractive. I have subsequently discovered that the title is leasehold as opposed to freehold. I am assuming that there are issues buying a leasehold house in Shirehampton. Conveyancing lawyers have are about to be appointed. Will they explain the issues?

The majority of houses in Shirehampton are freehold rather than leasehold. In this scenario it’s worth having a local solicitor who is familiar with the area can assist with the conveyancing process. it is apparent that you are purchasing in Shirehampton in which case you should be looking for a Shirehampton conveyancing practitioner and check that they have experience in advising on leasehold houses. First you will need to check the number of years remaining. As a tenant you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as obtaining the landlord’sconsent to carry out changes to the property. You may also be required to pay a maintenance charge towards the upkeep of the communal areas where the house is located on an estate. Your solicitor will advise you fully on all the issues.