I am expecting a mortgage offer from Santander. I intend to use a Licensed Conveyancer in Saltash. Does the Santander Solicitor panel allow for conveyancers regulated by the CLC?

The Santander conveyancing panel is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

What will a local search reveal concerning the property I am buying in Saltash?

Saltash conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search organisations such as PSG The local search is essential in every Saltash conveyancing purchase; as long as you don’t want any unpleasant surprises after you move into your new home. The search should reveal information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic sections.

The estate agent has sent us the confirmation of our purchase of a new build apartment in Saltash. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here are examples of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Saltash

The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Forfeiture - bankruptcy or liquidation must not apply under this provision. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Please confirm the Lease plans are surveyor prepared. Please supply a car parking plan.

Planning to complete next month on a basement flat in Saltash. Conveyancing solicitors assured me that they report fully next week. What should I be looking out for?

The report on title for your leasehold conveyancing in Saltash should include some of the following:

Ground rent - what is due and when is collected, and be on notice if this will change in the future Will you be prohibited or prevented from having pets in the property? Your solicitors should enable you to have an understanding of the building insurance obligations Where does the liability rest for maintaining the window frames

Saltash Conveyancing for Leasehold Flats - Sample of Questions you should ask before buying

How many years are left on the lease? The answer will be helpful as a) areas could result in problems in the block as the common areas may start to deteriorate if maintenance remain unpaid b) if the leasehold owners have an issue with the managing agents you will need to have all the details You should be aware if it is less than eighty years it will affect the salability of the apartment. It is worth checking with your lender that they are willing to to proceed given the lease term. A short lease means that you will almost definitely have to extend the lease at some point and you need to have some idea of what this would cost. Remember, in most cases you would be required to have owned the residence for 24 months in order to be eligible to extend the lease.

When it comes to my conveyancing in Saltash 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 Saltash conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the 's time in submitting the funds this way.