"Moving home in Coulsdon? Local knowledge makes all the difference. Your Property Lawyer will use their working associations with the local authority and other bodies to deliver better results. In addition, areas of particular concern or relevancy to Coulsdon property are thoroughly investigated.

We have assisted home movers throughout Coulsdon, including Conveyancing in CR5."

Local issues considered by Coulsdon Conveyancing Solicitors:

Coulsdon Stamp Duty Relief

Regions within Coulsdon have been qualified as 'disadvantaged areas' eligible for stamp duty relief. In England and Wales, they are based on electoral wards. These disadvantaged areas do not always coincide with postcode districts, so the postcode search tool cannot always be relied on. If an online search cannot determine whether a Coulsdon home is located in a disadvantaged area, clarification should be sought from the local council. A postcode search is worth undertaking to determine whether a residence under the £150k threshold is in a Disadvantaged area. However this is not always accurate, and may not work for recently built properties.

Searches in Coulsdon

If your are purchasing a property in Coulsdon a property lawyer will conduct Searches. The Local Authority for Coulsdon is London Borough of Croydon Council, Taberner House, Park Lane, Croydon, CR9 3JS. Tel: 020 8726 6002

My solicitor is not on my Lender's panel - what do I do?

Many lenders, and particularly nationwide banks, were once willing to instruct any solicitors who requested to be added to their panel. Lenders have also reduced the size of their panels, setting more restrictive criteria for membership. In order to proceed where your lawyer is not on a mortgage lender' s panel, you have the following options:

• Try to obtain a mortgage from another lender who will instruct your Conveyancing solicitor.
• Instruct another firm of Conveyancing solicitors who are on your lender's panel to handle your Conveyancing.
• Continue with your present Conveyancing solicitor, but accept that a separate firm will also act for the lender, and that you will have to pay their costs in addition.

It is usually cheaper to have the same firm act both for you and your lender, and carry out all the conveyancing work in connection with a purchase and the mortgage. Consider these points if you choose to change firms:

• Additional fees may be charged by the new firm which your original lawyers considered to be inclusive.
• Your second choice of firm may have less local knowledge, or be harder to meet in person.

Looking for a mortgage lender with a branch in Coulsdon, Surrey, try:

• Lloyds TSB Bank plc, 129, Brighton Rd, CR5 2NJ - Tel: 0845 3000000
• NatWest Bank plc, 96, Brighton Rd, CR5 2YS - Tel: 0845 6002803
• Santander, 138, Brighton Rd, CR5 2XR - Tel: 0845 7654321
• Yorkshire Building Society, 128 Brighton Rd, CR5 2ND - Tel: 0845 1200 823