I have just started taking steps with the intention of swapping over from my existing standard loan to a BTL Alliance & Leicester mortgage. I was told by my financial advisor that I must appoint a solicitor for this. I spoke to my former Stokenchurch conveyancing firm who who completed the conveyancing when I initially purchased the house. The pricing estimate sent of £575 plus disbursements has surprised me as its a refinance than a sale or purchase.

The estimate fees are a little high. If you you were to look around you could shave off some of the cost by perhaps £100 plus VAT. That being said, if you were pleased with the assistance the firm offered you maylive to rue choosing an an unknown solicitor. Don't forget to ensure that the solicitor can represent Alliance & Leicester . You can utilise our search tool to locate a Stokenchurch conveyancing firm on the Alliance & Leicester member panel, which can often include conveyancing solicitors in Stokenchurch.

Can I be sure that the Stokenchurch conveyancing solicitor on the Barclays panel is any good?

When it comes to conveyancing in Stokenchurch getting recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always advocate that you speak with the solicitor handling your conveyancing.

My wife and I are in the throws of looking at apartments in Stokenchurch and I am now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a home loan with HSBC.

It would be prudent to start 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 pass their details on to the EA. As you are getting a mortgage with HSBC, make sure you remember to check that your lawyer is on the HSBC conveyancing panel.

I have a mortgage with TSB for my property in Stokenchurch. Conveyancing has been completed months 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 TSB?

You must advise TSB before renting your property as this is likely to be a breach of TSB’s mortgage conditions. In many cases banks or building societies 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 TSB directly. You need not do this via a TSB conveyancing panel lawyer.

Will my solicitor be making enquiries regarding flooding as part of the conveyancing in Stokenchurch.

The risk of flooding is if increasing concern for lawyers dealing with homes in Stokenchurch. There are those who purchase a property in Stokenchurch, fully aware that at some time, it may suffer from flooding. However, leaving to one side the physical damage, if a property is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or dispose of the property. Steps can be carried out during the course of a property purchase to forewarn the buyer.

Solicitors are not best placed to offer advice on flood risk, but there are a number of checks that may be initiated by the purchaser or on a buyer’s behalf which should figure out the risks in Stokenchurch. The standard completed inquiry forms given to a purchaser’s lawyer (where the Conveyancing Protocol is adopted) contains a standard inquiry of the seller to find out whether the premises has suffered from flooding. In the event that flooding has previously occurred and is not notified by the owner, then a buyer could issue a compensation claim as a result of such an misleading response. The buyer’s conveyancers may also order an enviro search. This should indicate if there is any known flood risk. If so, additional investigations should be made.

Yesterday I discovered that there is a flying freehold issue on a house I put an offer in last month in what should have been a quick, no chain conveyancing. Stokenchurch is the location of the property. Is there any advice you can give?

Flying freeholds in Stokenchurch are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Stokenchurch you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Stokenchurch may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

I was advised by a few estate agents in Stokenchurch to locate a conveyancer on your site. Is there a financial inducement for Estate Agents to offer your services over alternative conveyancing organisations?

We refuse to offer any referral fee for directing people in our direction. We found it would be just too difficult to pay a commission because a client could think, ‘How come the agent getting a kickback? Why aren’t I receiving any benefit too?’ So we decided to step away from that.