I have just started taking steps with the aim of changing my current homeowner home loan to a Buy to Let Britannia mortgage. I was told by my financial advisor that I require a solicitor as part of the process. I spoke to the same Totton conveyancing firm who who did the conveyancing when I first acquired the property. The fee calculation they've given of £470 has taken me by surprise as its a remortgage than a sale or purchase.
The estimate fees are a little high. If you shop around you may be able to get the conveyancing a bit cheaper by perhaps £125. That being said, providing that you were content with the conveyancing the firm provided you maycome to regret choosing an a cheaper solicitor. If is important to be sure the solicitor can also act for Britannia. You can use our search tool to get a quote a Totton conveyancing firm on the Britannia member panel, which can often include conveyancing solicitors in Totton.
I just bought a flat at auction in Totton. Conveyancing is needed. What are my next steps?
Given that you are now legally committed yourself to purchase you must retain a conveyancing practitioner soon as you are facing a fast approaching a drop dead date to complete the purchase. Every auction property will have a corresponding auction set of papers. This will include most,if not all of the paperwork that your lawyer requires. Where you are dealing with leasehold property the legal pack may include a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation specific to a leasehold property. You should give this to the conveyancer instructed by you at the earliest opportunity. You also need to ensure that your finances are in place to complete on the date specified in the contract.
My wife and I are in the process of looking at apartments in Totton and I am about to put in an offer. Should I already have a lawyer in place at this stage? I intend to finance via a mortgage with Santander.
It would be prudent to instigate your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the estate agent. As you are obtaining a mortgage with Santander, make sure you remember to check that your lawyer is on the Santander conveyancing panel.
The mortgage over my property is with Principality for my property in Totton. Conveyancing has been completed some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Principality?
Your original mortgage agreement with Principality will provide that you need their approval prior to renting your property as this is likely to be a breach of Principality’s mortgage conditions. It may be that Principality 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 Principality directly. You need not do this via a Principality conveyancing panel lawyer.
About to purchase a new build flat in Totton. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Totton
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There must be mutual enforceability of lessee’s covenants. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme.
Are there any apps to help identify a Totton law firm on the Godiva Mortgages Ltd conveyancing panel? I drive a motor bike and am prepared to travel upto 10kilometers to meet the solicitor.
You can use the tool on this page. Please pick a bank and your location and you will see a number of Totton conveyancing lawyers located nearest you. We have listed some Totton conveyancing firms at the bottom of this page and you can telephone them to check if they are on the Godiva Mortgages Ltd approved list
My father-in-law has recommend that I instruct his conveyancers in Totton. Should I find my own solicitor?
There are no two ways about it it’s preferable to choose a conveyancing practitioner is to get recommendations from friends or family who have actually experience in using the conveyancer that you are are thinking of instructing.
We today discovered that one of the directors of the law firm acting on the purchase conveyancing in Totton is related to the seller. Is this allowed?
As long as no conflict arises this should be fine. Where you are requiring mortgage finance then the lender may have a say as many mortgage companies have specific requirements on this. For example for Halifax Loans as of 7/10/2025, the requirements read as follows :