I have 71 years left on my lease and require a lease extension for my flat in Didcot. Conveyancing solicitors on the Bank of Ireland panel can deal with such extensions right?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 22/1/2025 the requirements read as follows :
Can you help - my lawyer says that breach of easement insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Didcot?
The right level of breach of easement indemnity insurance should be dictated by who your lender. It would differ for example between Halifax and Leeds Building Society. Conveyancing practitioners as opposed to members of the public take out such insurances.
I had an offer accepted on a property in Didcot on 2/12/2024, valuation was booked 2 days after, all came back fine. Property lawyer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Aldermore and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Aldermore conveyancing panel. Are Aldermore entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Aldermore to deal with your lawyer's application to be on the Aldermore conveyancing panel. There's no guarantee that your solicitor will be accepted.
HSBC have agreed my home loan in principle, my offer on a flat in Didcot has been agreed to, now what?
The property agent will want to know who your solicitors are (make sure the solicitors are on the lender’s panel). Contact HSBC or your broker and complete any appropriate forms. HSBC will sellect a valuer who will get in touch with the selling agent or seller to book an appointment. Once carried out (assuming no problems) it takes on average a week to receive the mortgage offer. HSBC will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Didcot.
I am buying a house and the solicitor has identified Chancel Repair for which the property may be obligated to contribute to as it falls into the area of such a church. He has mentioned insurance. Is this really warranted for conveyancing in Didcot
Unless a prior purchase of the house completed post 12 October 2013 you may expect conveyancing practitioners conducting conveyancing in Didcot to continue to recommend a chancel search and or insurance against a claim.
Given that I am about to spend 450k on a two bedroom apartment in Didcot I would like to talk to a conveyancer concerning thetransaction prior to giving the go ahead to the firm. Is this something that you can arrange?
Absolutely - it is our preference to talk to you we do not take any clients on without you liaising with the conveyancer due to be carrying out your property ownership legalities in Didcot.There is no ‘factory style conveyancing’ - each client is an important individual, not a case reference. The practices that we put you in touch with believe that the figure you are calculated and presented to you for your conveyancing in Didcot should be the figure that you end up paying.
I am using a search engine for the phrase on line conveyancing in Didcot it shows results of numerous solicitorsin the vicinity. How do I determine which is the right conveyancing solicitor for me?
The ideal way of finding a suitable conveyancer is through a trusted recommendation, so ask friends and relatives who have purchased a property in Didcot or a reputable estate agent or mortgage broker. Costs for conveyancing in Didcot differ, so it's a good idea to request a minimum of three costs illustrations from different conveyancers. Make sure that you know that the costs are assured not to escalate.
When it comes to my conveyancing in Didcot should I be charged VAT on the following: (1) Land reg fee on purchase (2) Pre - completion search fee (3) SDLT E submission on purchase (4) Bank TT fee
(1) Land reg fee on purchase - No (2) Pre - completion search fees -No, (such conveyancing searches are HMLR ones and means £4 and possibly £2 bankruptcy per name on your mortgage) (3) SDLT E submission on your purchase - There is no VAT on Stamp Duty. However if the firm is charging a stamp duty e-submission fee as part of their services - some Didcot conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the property lawyer's time in submitting the funds this way.