I am in need of a conveyancer. Should I go for for a national conveyancer as opposed to a high street Southwick conveyancing lawyer?
Existing third party connections is an important consideration when appointing conveyancing lawyers. Southwick law firms often have connections with mortgage brokers and selling, local authorities, surveyors and other conveyancing firms meaning the whole process is going to be much more straightforward for you. Having a well rounded knowledge of the local area also helps too.
I am selling my apartment in Southwick. Will the property lawyer need to be required to be on the HSBC conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the HSBC conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently at the moment.
Forgive me if this question is silly but I am unseasoned as a first time buyer of a garden flat in Southwick. Do I receive the keys to the premises on the completion date from my conveyancer? If this is the case, I will instruct a High Street conveyancing solicitor in Southwick?
On the day of completion you do not need to go to the conveyancers office in Southwick. Your solicitors will arrange to send the purchase money to the owner’s solicitors, and shortly after the monies have arrived, you should be invited to collect the keys from the Estate Agents and start moving into the property. Usually this occurs between 1 and 3pm.
I am buying a property in Southwick. A rare aspect is that the roof has a solar panel. Coventry BS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Coventry BS your lawyer must follow the formal instructions set out in Section 2 of UK Finance Lenders’ Handbook for Coventry BS. The CML Handbook includes minimum specifications for solar panel roof-space leases, and property lawyers are required to report to Coventry BS where a lease does not comply with these specifications. The requirements relate to the installation of panels on properties in England and Wales and is not restricted to Southwick.
My wife and I are in the process of looking at flats in Southwick and I am now considering a potential offer. Should I already have a property lawyer in place at this stage? I will be getting a mortgage with UBS.
You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. As you are getting a mortgage with UBS, ask your prospective lawyers if they are on the UBS conveyancing panel otherwise they can't do the mortgage legal work.
Due to the encouragement of my in-laws I had a survey completed on a property in Southwick before retaining conveyancers. I have been informed that there is a flying freehold overhang to the property. My surveyor advised that some lenders will not grant a mortgage on such a house.
It depends who your proposed lender is. Bank of Scotland has different instructions from Halifax. If you e-mail us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Southwick. Conveyancing will be smoother if you use a solicitor in Southwick especially if they are familiar with such properties in Southwick.
How can the Landlord & Tenant Act 1954 affect my commercial offices in Southwick and how can you help?
The particular law that you refer to affords security of tenure to commercial leaseholders, granting the a statutory right to make a request to court for a new tenancy and remain in occupation at the end of an expired lease. There are limited grounds where a landlord can refuse a lease renewal and the rules are complicated. Fees are different for commercial conveyancing. Southwick is one of the numerous areas of the UK in which our lawyers are based