Finally, a mortgage agreement from Santander for the refinancing of my single bedroom maisonette is to be issued imminently. Are you able to put forward a low cost conveyancing lawyer in Hamworthy?

This site is not designed to assist those in pursuit of the cheapest conveyancing in Hamworthy. We can offer you excellent value conveyancing but our intention is not to work with the cheapest lawyers. Do not be fooled by brokers offering £99 conveyancing in Hamworthy. At best, in going for low cost conveyancing, you will receive what you pay for and at worst it will result in you spending a lot in additional fees and still not end up with the service expected.

What is the best way to investigate if the solicitor carrying out my conveyancing in Hamworthy is on the bank’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Barclays thus paying £192.00 in another set of conveyancing invoice.

You should make use of the search tool on this site. Pick the mortgage company and type ‘Hamworthy’ or your location and you will see a number of lawyer offices in Hamworthy or near you.

Forgive me if this question is silly but I am unseasoned as FTB of a ground floor flat in Hamworthy. Do I receive the keys to the property on completion from my lawyer? If this is the case, I will appoint a High Street conveyancing solicitor in Hamworthy?

On the day of completion you will not be required to attend the conveyancers office in Hamworthy. Your solicitors will transfer the purchase money to the vendor’s lawyers, and once they have received this, you will be able to collect the keys from the Estate Agents and start moving into the property. Usually this occurs between 1 and 3pm.

We are getting the release of further funds on our home loan from Santander as we want to carry out a loft conversion to our property in Hamworthy. Do we need to choose a nearby Hamworthy solicitor on the Santander conveyancing panel to deal with the paperwork?

Santander do not ordinarily appoint a member of 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 Santander panel.

It is not clear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Hamworthy building society branch on numerous occasions and was advised it wasn't an issue and they would lend. My Hamworthy conveyancing solicitor - who is on the lender conveyancing panel- called and was told they refuse to lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. I simply don't know who is right.

Provided that the solicitor is on the bank approved list, they must follow the Council of Mortgage Lenders’ Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

Are there restrictive covenants that are commonly picked up as part of conveyancing in Hamworthy?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Hamworthy. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I’m about to sell my ground floor flat in Hamworthy. Conveyancing solicitors are to be appointed soon, however I have recently had a yearly service charge demand – should I leave it to the buyer to sort out?

Your conveyancing lawyer is likely to suggest that you should pay the service charge as normal because all rents and service charges should be apportioned on completion, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the subsequent invoice date. Most managing agents will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

Leasehold Conveyancing in Hamworthy - Examples of Queries Prior to buying

How much is the maintenance charge and ground rent on the apartment? It is important to be aware if changing the roof or some other significant cost is due shortly that will be shared between the leaseholders and will materially impact the level of the service charges or result in a one time payment. In the main the outlay for major works tend not to be included within maintenance charges, albeit that a few managing agents in Hamworthy ask tenants to pay into a sinking fund created for the specific intention of building a fund for larger repairs or maintenance.