Willinstructing a St Andrews conveyancing lawyer make my purchase more efficient?

St Andrews is a unique place, where neighbourhood knowledge counts for a lot. The laid-back lifestyle has it’s attractions – just not when it comes to your house move. The solicitors that we work with providing vast St Andrews intelligence with a professional, hands-onapproach that ensures everything runs smoothly. It will certainly help that they enjoy long term relationships with financial advisers, estate agents, surveyors and other St Andrews conveyancing practices

All was ready to complete my purchase in St Andrews next Monday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in his capacity as lawyer for the mortgage company. What does the insurance need to cover?

Any lawyer on acting for mortgage companies would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 conditions. These requirements are not limited to conveyancing in St Andrews.

We see that you have a search directory identifying solicitors on the Coventry BS conveyancing panel. Do companies pay you a referral fee if I appoint them for our conveyancing in St Andrews?

We are a listing service only for law firms wishing to communicate if they are on the Coventry BS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in St Andrews.

Do I select a Licenced Conveyancer or Solicitor for conveyancing in St Andrews?

There are many recorded licenced Conveyancers in St Andrews and Solicitor firms in St Andrews to choose from It is important to make clear that the two are regulated professionals specialising in the legal work in transferring property. They may both also handle associated property related work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.

Can I be sure that the St Andrews conveyancing solicitor on the Santander panel is any good?

When it comes to conveyancing in St Andrews getting recommendations is a good 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 recommend that you speak with the lawyer conducting your transaction.

We expect to receive a DIP from Virgin Money this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Virgin Money recommend any St Andrews solicitors on the Virgin Money conveyancing panel, or is it better to find our own lawyer?

You will need to appoint St Andrews solicitors independently although you'll need to choose one on the Virgin Money conveyancing panel. The solicitor represents both you and Virgin Money through the process.

I have just appointed agents to market my garden apartment in St Andrews. Conveyancing is yet to be initiated, but I have recently received a yearly service charge invoice – what should I do?

Your conveyancing lawyer is likely to suggest that you should clear the invoice as usual because all rents and service charges should be apportioned as part of the financial calculations for completion monies, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

I am the registered owner of a leasehold flat in St Andrews, conveyancing was carried out September 1999. Can you shed any light on how much the price could be for a 90 year extension to my lease? Equivalent flats in St Andrews with a long lease are worth £216,000. The ground rent is £50 charged once a year. The lease comes to an end on 21st October 2093

You have 69 years unexpired we estimate the price of your lease extension to range between £9,500 and £11,000 as well as plus your own and the landlord's "reasonable" professional fees.

The suggested premium range above a general guide to costs for extending a lease, but we cannot give you the actual costs without more detailed due diligence. You should not use this information in tribunal or court proceedings. There are no doubt additional concerns that need to be taken into account and you obviously should be as accurate as possible in your negotiations. You should not move forward placing reliance on this information without first seeking the advice of a professional.