My wife and I buying a 4 bedroom semi-detached house in Clarborough. We would like to an extension at the rear at the house.Will the conveyancing process involve checks to see if these works were previously refused?

Your solicitor should check the deeds as conveyancing in Clarborough will sometimes identify restrictions in the title deeds which restrict certain changes or require the permission of another owner. Some extensions need local authority planning permissions and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be prudent to check these things with a surveyor ahead of any purchase.

We are getting a further advance on our mortgage from HSBC as we want to carry out improvements to our home in Clarborough. Do we need to appoint a nearby Clarborough solicitor on the HSBC conveyancing panel to deal with the legals?

HSBC do not ordinarily appoint firms on their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the HSBC panel.

We expect to receive a OIP from HSBC 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 HSBC recommend any Clarborough solicitors on the HSBC conveyancing panel, or is it better to find our own lawyer?

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

How does conveyancing in Clarborough differ for new build properties?

Most buyers of new build or newly converted property in Clarborough approach us having been asked by the developer to exchange contracts and commit to the purchase even before the property is constructed. This is because house builders in Clarborough usually purchase the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Clarborough or who has acted in the same development.

I decided to have a survey carried out on a property in Clarborough in advance of retaining solicitors. I have been told that there is a flying freehold element to the property. The surveyor has said that some banks will refuse to grant a mortgage on a flying freehold home.

It depends who your proposed lender is. Santander has different instructions for example to Halifax. Should you wish to call us we can look into this further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Clarborough. Conveyancing will be smoother if you use a solicitor in Clarborough especially if they regularly deal with such properties in Clarborough.

We are 14 days into a freehold purchase having been referred to conveyancers by the estate agent to execute conveyancing in Clarborough. We are not happy. Can you you assist me in finding new lawyers?

A lawyer would have to be very poor in order to consider replacing them. Has your mortgage offer been sent? If so you need to advise them of the new contact details and ensure the offer are re-sent. The conveyancer should be on the banks approved list to avoid supplemental expenses and frustration. That should be your starting point. Our find a solicitor tool will assist you in finding a lender approved solicitor for your conveyancing in Clarborough

I have recently realised that I have Seventy years unexpired on my flat in Clarborough. I now wish to extend my lease but my freeholder is absent. What are my options?

If you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can submit an application to the County Court for an order to dispense with the service of the initial notice. This will enable the lease to be extended by the Court. However, you will be required to prove that you or your lawyers have made all reasonable attempts to locate the freeholder. In some cases an enquiry agent may be helpful to carry out a search and to produce an expert document to be accepted by the court as proof that the landlord can not be located. It is wise to seek advice from a conveyancer in relation to proving the landlord’s absence and the application to the County Court covering Clarborough.

Clarborough Leasehold Conveyancing - A selection of Questions you should consider Prior to Purchasing

In the main the outlay for major works tend not to be incorporated into the service charges, albeit that there some managing agents in Clarborough require tenants to contribute towards a reserve fund and this is used to offset against major works. Does the lease have more than 90 years left? What is the name of the managing agents?