Can I use your services to recommend a Conveyancing solicitor in Swadlincote even where I’m not purchasing or selling a house, for example where I want to acquire an office in Swadlincote with a mortgage from Britannia?

The service is mainly there to locate residential conveyancing solicitors in Swadlincote but we have listed towards the bottom of this page a selection of Swadlincote commercial conveyancing firms. You will need to enquire with the solicitors directly to see if they are also authorised to represent Britannia

Should my lawyer be raising questions regarding flooding as part of the conveyancing in Swadlincote.

Flooding is a growing risk for lawyers conducting conveyancing in Swadlincote. There are those who acquire a property in Swadlincote, completely expectant that at some time, it may suffer from flooding. However, aside from the physical damage, where a house is at risk of flooding, it may be difficult to obtain a mortgage, suitable building insurance, or dispose of the property. Steps can be carried out as part of the conveyancing process to forewarn the buyer.

Solicitors are not qualified to offer advice on flood risk, however there are a various searches that can be undertaken by the purchaser or by their solicitors which will figure out the risks in Swadlincote. The conventional set of completed inquiry forms given to a buyer’s solicitor (where the Conveyancing Protocol is adopted) includes a usual inquiry of the vendor to find out if the property has suffered from flooding. If the property has been flooded in past which is not disclosed by the owner, then a purchaser could commence a claim for damages as a result of such an misleading reply. The purchaser’s conveyancers will also conduct an environmental search. This will reveal whether there is a recorded flood risk. If so, more detailed inquiries will need to be initiated.

I'm buying my first flat in Swadlincote with a loan from Platform Home Loans Ltd. The sellers would not reduce the amount so I negotiated £7000 of additionals instead. The estate agent suggested that I not reveal to my lawyer about the side-deal as it may adversely affect my loan with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I've recently found out that there is a flying freehold element on a property I have offered on last month in what should have been a simple, chain free conveyancing. Swadlincote is the location of the property. Is there any advice you can give?

Flying freeholds in Swadlincote are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Swadlincote you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Swadlincote may determine 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 premises.

How easy is it to change a solicitor as I need to find a Swadlincote based one who is on the bank conveyancing panel. Is it advisable to appoint a new law firm?

If you haven't yet instructed a solicitor to commence the conveyancing and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer in Swadlincote that you're considering.