Knowledge of the local Clifton area is key to an easier, faster move. Associations with local authorities and other Clifton information sources, such as water and drainage providers, are maintained by our Solicitors. In addition, areas of concern specific to the Clifton region will also be examined.

Issues to consider when your lawyer is not on your Lender's panel

Lenders maintain panels of law firms to perform mortgage legal work. While these panels were once open, allowing any firm to join, that is no longer the case. Lenders have also reduced the size of their panels, setting more restrictive criteria for membership. If your conveyancing solicitor is not on your preferred lender's panel, then the lender will not instruct that firm to act in connection with the mortgage. You then have a choice; you can either select a different lender or solicitor. It is possible to continue with your original choices, but your lender will expect you to pay for the legal costs relating to the mortgage. Bear in mind that it is usually more efficient and less expensive for the same firm act for you and your lender.

Disadvantaged Areas in Clifton

Nearly two thousand areas in England and Wales are eligible for stamp duty relief. These are based on electoral divisions and local government wards. No stamp duty is due for houses bought in a Clifton disadvantaged area under the £150k threshold. Above £150k, no stamp duty relief may be available. A postcode search will usually determine whether a home being sold for less than the threshold is eligible. However this is not always accurate, and may not work for recently built properties.