We hope to to buy with Darlington Building Society. We have called around locally but am struggling to find a Swavesey conveyancing firm on the Darlington Building Society approved list. Can you assist?

Please do take advantage of the search tool on this page. Pick the lender and type Swavesey or your preferred area and you will discover a number of lawyer located in Swavesey or near you.

Can you help - my lawyer advises that absentee landlord insurance is needed on my purchase. What is the level of cover for Swavesey conveyancing?

The right level of absentee landlord indemnity insurance should be dictated by who your lender. It would differ for example between Accord Mortgages Ltd and The Royal Bank of Scotland. Conveyancing practitioners as opposed to borrowers take out such insurances.

I have a mortgage with Nationwide for my property in Swavesey. Conveyancing was finalised 12 months 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 Nationwide?

Nationwide must be informed of your intention in advance of letting out your property as this is likely to be a breach of Nationwide’s mortgage conditions. It may be that Nationwide will permit you to let 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 Nationwide directly. It should not be necessary to do this via a Nationwide conveyancing panel firm.

After weeks of negotiation I have agreed a price on a house in Swavesey. My financial adviser pressured me to appoint their solicitor. I paid an upfront payment of £175. Shortly after, the lawyer contacted me embarrassingly acknowledging that they were not on the Aldermore conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Aldermore panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

Due to the guidance of my in-laws I had a survey completed on a house in Swavesey ahead of appointing solicitors. I have been advised that there is a flying freehold aspect to the house. The surveyor has said that some lenders tend refuse to issue a loan on a flying freehold home.

It varies from the lender to lender. Lloyds has different instructions for example to Nationwide. Should you wish to telephone us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Swavesey. Conveyancing may be slightly more expensive based on your lender's requirements.

Due to exchange soon on a leasehold property in Swavesey. Conveyancing lawyers have said that they report fully within the next couple of days. What should I be looking out for?

Your report on title for your leasehold conveyancing in Swavesey should include some of the following:

You need to be told what counts as a Nuisance as far as the lease is concerned How long the lease is. You should receive guidance as what happens when the lease expires, and aware of the importance of not letting the lease term falling below eighty years You should know whether the lease permits you to alter or improve aspects of the premises- you should know whether any restrictions applies to all alterations or limited to structural alteration, and whether permission is required Ground rent - what is due and what the invoice dates are, and also know whether this is subject to change Information concerning the obligations in the lease to to contribute towards maintenance costs - with regard to both the building, and the more general rights a lessee has

Swavesey Conveyancing for Leasehold Flats - A selection of Questions you should consider Prior to Purchasing

The answer will be useful as a) areas may result in problems in the block as the communal areas may start to deteriorate where maintenance are not paid for b) if the tenants have a dispute with the running of the building you will need to have all the details What prohibitions are there in the Swavesey Lease?

My lender have just issued us with a mortgage offer. We have retained a local conveyancer in Swavesey two days ago. Today, our broker contacted us saying that the lender said that we cannot use our solicitor as they aren't on their panel. As novices, we did not have a clue that the bank had a say Is this usual?

You can actually use any property lawyer you prefer to appoint including the said conveyancer in Swavesey but if your bank aren't happy with them you would have to pay additional cost so the mortgage company can retain their own lawyers. It may be possible your preferred conveyancing firm to get added to the bank panel. You can use online search facilities such as lenderpanel.com to find a conveyancing solcitor in Swavesey on the mortgage company panel. You can go into your high street bank branch in Swavesey. They will know some good conveyancing solicitors in Swavesey on the approved list.