I was advised recently by my IFA that my Sparkhill lawyer is not on the lender Solicitor panel. What can I do to be certain whether this is indeed the case?

You need to call your Sparkhill lawyer directly. It is reasonable to expect your lawyer to notify you of the situation. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your lender.

We wish to acquire a newbuild apartment in Sparkhill with a homeloan from Britannia.We use our Sparkhill conveyancing lawyer but Britannia informed us his firm is not listed on their approved list of firms. We have to appoint a Britannia panel lawyer or retain our local solicitor and fork out for a Britannia panel lawyer to represent them. This seems very unfair; is there anything we can do?

Unfortunately,no. The loan offered to you is subject to its terms and conditions, a common one being that conveyancers must be on the Britannia approved list. Until recently, most banks had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Britannia

About to purchase a new build flat in Sparkhill. 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 conveyancing.

Set out below are examples of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Sparkhill

There must be mutual enforceability of lessee’s covenants. Forfeiture - bankruptcy or liquidation must not apply under this provision. Please confirm the Lease plans are architect prepared. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Please supply a car parking plan.

Due to the guidance of my in-laws I had a survey completed on a property in Sparkhill in advance of retaining solicitors. I have been told that there is a flying freehold overhang to the property. My surveyor has said that some mortgage companies will not give a loan on a flying freehold property.

It depends who your proposed lender is. HSBC has different requirements from Birmingham Midshires. Should you wish to telephone us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Sparkhill. Conveyancing may be slightly more expensive based on your lender's requirements.

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At this site obtain a conveyancing costs illustration via a Solicitor or Licensed Conveyancer that has a full understanding of the issues of your conveyancing in Sparkhill. As opposed to estate agents and many comparison sites we are not in the business of charging firms a fee if you select them for your home move in Sparkhill