"Redcar and Cleveland - It's not just what you know, it's who you know. Our Solicitors' maintain a network of Redcar and Cleveland contacts. Issues frequently arising in the region are also taken into consideration, thanks to this local expertise.

We have assisted home movers throughout Redcar and Cleveland, including Conveyancing in TS10, TS11, TS12, TS13, TS14, TS6."

Local issues considered by Redcar and Cleveland Conveyancing Solicitors:

Fridaysmove property lawyers in Redcar and Cleveland are on all UK mortgage lender panels, including:

What are the consequences if your solicitor is not on your Lender's panel?

Mortgage lenders maintain panels of solicitors who they will instruct to carry out legal work on mortgages. At one time, many lenders, especially the large banks, were prepared to instruct any firm of solicitors who asked to be placed on their panel. Recently, lenders have changed the criteria for the firms which they will accept on their panels. They have also reduced the size of their panels, removing firms which do not carry out much Conveyancing work or which they consider to have proved unsatisfactory in the past. These options are available to any homebuyer whose solicitor is not on their lender's panel:

• Obtain a mortgage from a less restrictive lender
• Instruct a solicitor whom your lender accepts
• Pay the lenders costs for their solicitor in addition to your own

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. If you do not switch firms, your lenders will instruct a solicitor themselves. You are expected to pay these costs in addition to your own, and as this firm may have a heavy caseload with many other matters underway, you will not have the same ability to stay abreast of developments and apply more pressure if delays occur.

Local Council Tax Rates and Bandings

During their enquiries, the buyers solicitor will request that the conveyancer acting for the seller confirms the council tax banding of the property. Council Tax rates for Redcar and Cleveland are set by Redcar and Cleveland Council. The bandings for 2012/13 are* -

• Band A - £1073
• Band B - £1252
• Band C - £1431
• Band D - £1610
• Band E - £1967
• Band F - £2325
• Band G - £2683
• Band H - £3219

*Source - www.communities.gov.uk

Does your Redcar and Cleveland purchase qualify for Stamp Duty Relief?

Disadvantaged Areas Relief may be available in nearly 2,000 areas throughout the UK. These are based on electoral divisions and local government wards. Because designated regions for relief are defined according to electoral wards, a postcode search is no guarantee a property will be eligible. Note that normal rates of duty apply sales above £150,000. By making a straightforward search by postcode, you can usually determine if a property purchase below £150,000 will benefit, however. Call our Conveyancing team for a full list of designated disadvantaged areas in Redcar and Cleveland.

Disadvantaged areas in Redcar and Cleveland include Loftus.