We are planning to acquire a flat and require a conveyancing solicitor in Staffordshire who is on the Coventry BS approved panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Coventry BS . We don't recommend any particular firms conducting conveyancing in Staffordshire.
A friend advised me that in buying a property in Staffordshire there may be various restrictions affecting the ability to carry out external changes to the property. Is this right?
We are aware of anumerous of properties in Staffordshire which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Staffordshire should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We are buying a detached bungalow in Staffordshire. The intention is to carry out an extension to the side at the property.Will the conveyancing process include checks to ascertain if these works were previously refused?
Your solicitor should check the deeds as conveyancing in Staffordshire will occasionally reveal restrictions in the title documents which restrict certain alterations or necessitated the consent of a 3rd party. Some extensions require local authority planning permissions and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor before you commit yourself to a purchase.
The mortgage over my property is with HSBC for my property in Staffordshire. Conveyancing has been completed some time ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform HSBC?
You must advise HSBC before renting your property as this is likely to be a breach of HSBC’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact HSBC directly. You need not do this via a HSBC conveyancing panel solicitor.
Should my conveyancer be asking questions about flooding during the conveyancing in Staffordshire.
Flooding is a growing risk for solicitors carrying out conveyancing in Staffordshire. There are those who buy a house in Staffordshire, fully expectant that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, if a property is at risk of flooding, it may be difficult to obtain a mortgage, adequate building insurance, or sell the premises. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Conveyancers are not best placed to give advice on flood risk, however there are a number of searches that may be undertaken by the purchaser or by their lawyers which will figure out the risks in Staffordshire. The conventional set of property information forms sent to a purchaser’s lawyer (where the Conveyancing Protocol is adopted) includes a standard question of the owner to discover whether the property has ever been flooded. If flooding has previously occurred which is not disclosed by the owner, then a purchaser could issue a legal claim for losses as a result of such an inaccurate response. The purchaser’s solicitors should also commission an enviro report. This should disclose whether there is a recorded flood risk. If so, more detailed investigations should be initiated.
What makes your site different to alternative internet conveyancing solicitors when it comes to conveyancing in Staffordshire?
At this site secure an accurate quote via a Solicitor or Licensed Conveyancer that appreciates the nuances of your conveyancing in Staffordshire. As opposed to estate agents and brokerage sites we do not charge firms a fee if you appoint them for your property ownership legalities in Staffordshire
I need to swap lawyers as my Staffordshire lawyer is not on the lender's panel of conveyancing solicitors. Is it practical to instruct different lawyers?
In the event that you have not formally instructed a solicitor to start work and at this stage simply received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer in Staffordshire that you're considering.