We are expecting a mortgage offer soon. The bank mentioned the mortgage came with free conveyancing. Does this mean I have to appoint their panel conveyancer as I would prefer to use a Stone based conveyancing firm?

You should check but the chances are that give you one of their panel solicitors if you take up the "fee-free" deal. Call the lender to check if they offer you a monetary alternative. Some mortgage companies have previously offered a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor in Stone.

I am due to move house in March. Does my conveyancing solicitor update the removal company on the completion day. On a separate note, can you suggest a removal company in Stone. Conveyancing solicitor was organised prior to coming across your website.

On the day of completion you can collect the keys from your estate agent but this should only take place once the sellers solicitors advise the agent that the monies to complete are in and the keys can be collected. After that you should tell the removal men that you are ready to move in. We do not suggest a particular removal organisation but can assist you in finding a conveyancing in Stone or a lawyer that specialises in conveyancing in Stone.

We are buying a end of terrace house in Stone. The intention is to an extension at the rear at the house.Will the conveyancing process include investigations to see if these alterations were previously refused?

Your conveyancer should review the registered title as conveyancing in Stone can sometimes identify restrictions in the title deeds which prevent categories of works or necessitated the permission of another owner. Certain additions call for local authority planning permissions and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these things with a surveyor ahead of any purchase.

How can we tell if a Stone conveyancing solicitor on the Nationwide panel is any good?

When it comes to conveyancing in Stone obtaining recommendations is a sensible 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 which is cheap as chips. We would always suggest that you speak with the solicitor handling your conveyancing.

Will our lawyer be raising questions concerning flooding as part of the conveyancing in Stone.

Flooding is a growing risk for conveyancers specialising in conveyancing in Stone. There are those who acquire a property in Stone, fully aware that at some time, it may suffer from flooding. However, aside from the physical destruction, where a property is at risk of flooding, it may be difficult to get a mortgage, suitable building insurance, or sell the property. There are steps that can be taken as part of the conveyancing process to forewarn the buyer.

Lawyers are not best placed to give advice on flood risk, but there are a numerous checks that may be initiated by the purchaser or by their lawyers which should give them a better understanding of the risks in Stone. The conventional set of completed inquiry forms sent to a purchaser’s solicitor (where the Conveyancing Protocol is adopted) contains a usual inquiry of the vendor to discover whether the premises has suffered from flooding. In the event that the property has been flooded in past and is not disclosed by the seller, then a purchaser may commence a claim for damages resulting from an incorrect answer. The buyer’s lawyers may also commission an enviro report. This should reveal whether there is a recorded flood risk. If so, additional inquiries should be conducted.

Despite weeks of looking the Title Certificate and documents to my house are lost. The solicitors who dealt with the conveyancing in Stone 4 years ago are no longer around. What do I do?

You no longer need to have the physical original deeds to prove you are the registered proprietor of land or premises, as the Land Registry hold details of all registered land or property electronically.

I am looking at a couple of maisonettes in Stone both have about 50 years remaining on the leases. Do I need to be concerned?

A lease is a right to use the property for a prescribed time frame. As the lease gets shorter the marketability of the lease reduces and it becomes more expensive to acquire a lease extension. For this reason it is generally wise to increase the term of the lease. More often than not it is difficulties arise selling premises with a short lease because mortgage lenders may be reluctant to lend money on properties of this type. Lease extension can be a protracted process. We advise that you get professional help from a conveyancer and surveyor with experience in this area.

Stone Conveyancing for Leasehold Flats - Examples of Queries before Purchasing

It is important to be aware if redecorating or some other major work is due in the near future to be shared between the tenants and could well dramatically impact the level of the maintenance costs or result in a specific invoice. How much is the annual maintenance fee and ground rent? The prefered form of lease arrangement is where the freehold interest is in the ownership of the leaseholders. In this scenario the lessees enjoy being in charge if their destiny and although a managing agent is frequently employed if the building is larger than a house conversion, the managing agent acts for the leaseholders themselves.