C.2.4: Hourly Rate: OPTIONAL Only if you need additional work not listed in the discounted lists in c.2.3 (i.e. such as a trust deed or a lease extension or new build) in which case such additional work is charged hourly rate of the conveyancer who looks after you as follows: - For Non Partners, £247 and for Partners £347 (Partner or Any Conveyancer with over 15 years' experience).

D: GENERAL TERMS (not relating to costs).

D.1. Who will be looking after you?

D.2. Copyright

D.3. Complaints procedure

D.4. Authorisation to amend documents

D.5. Limitation of AVRillo's liability and advice:

D.6. Communication & Hours of Work:

D.7. Lender (if any) Conflict of interest risk.

D.8. Compliance with the referral code

D.9. Data Protection. Confidentiality and Disclosure.

D.10. Co-operation:

D.11. Conflict of interest.

D.12. Termination.

D.13. Third party Exclusion, Contracts (Right of Third Parties) Act 1999.

D.1 Who will be looking after you?

The person primarily responsible for the conduct of your transaction will be notified to you in our first letter to you after receipt of your signed instructions. The Partners have complete discretion to deploy such of our lawyers, trainee lawyers, paralegals or other staff as he deems necessary or desirable to ensure appropriate delivery of our services to you. In order to give your case the benefit of the most proactive method of working and to speed up your transaction, we may from time to time ask other members of the AVRillo conveyancing to assist in certain steps. When you decide to instruct us, you will be assigned a dedicated lawyer who may be supported by a legal assistant. Our lawyers are either licenced conveyancers, solicitors, legal executives or have the relevant experience to handle the cases that have been assigned to them. All lawyers will be supervised by a Partner details provided within your client care letter.
Sometimes we ask other consultants or companies to do work for us on our files, to ensure that work is always done promptly. We will always seek a confidentiality agreement with any such providers. Note that some services will be offered or carrying out by other business entities or by operations a specialist team in India provides legal, account management, and administrative capability to AVRillos customers in the UK. By accepting these Terms of Business you accept that your transaction may be worked on by staff based in India as well as in the UK. This may include provision of deferred payment, AML services, no move no fee and other administrative services by V & M Property Services Ltd. Where these are provided by a third party the cost of this will be no more than a charge by AVRillo if they were to provide these.
By signing and agreeing these Terms and Conditions you consent to AVRillo transferring your personal data V& M Property Services ltd and or to a jurisdiction that does not provide the same level of data protection as the UK. This is for the purpose of allowing a specialist team in India to provide legal, account management, and administrative capability to our clients. Please be assured that we apply extremely strict controls to any personal data that may be transferred and processed in this way and we take all reasonable steps to protect your personal data at all times.

D.2. Copyrights. AVRillo retain copyright and all other intellectual rights to their documentation.

D.3 COMPLAINTS Procedure:

We aim to provide the highest standards of service, but we recognise that, as with any other service provider, misunderstandings can sometimes arise. All claims, complaints and disputes arising out of or in connection with the Services ("Disputes") will be resolved pursuant to this paragraph.

1. How to raise a complaint? The Legal Ombudsman will ask you to utilise our formal complaints procedure before they will get involved. Note. Our complaint procedure is sent out to you with our initial correspondence, and our initial client letter but once raised during or after your case, we will send you out a further complaints procedure with steps. Essentially though, you: Firstly, contact your conveyancer directly. If this does not resolve matters then please make your complaint in writing to either Mr Angelo or Mr Antonino (Tony) Piccirillo (they being the Partners responsible for complaint investigation) and also copy in your own conveyancer. You will then be sent our internal complaints procedure which complies with our Regulatory body, the Council of Licenced Conveyancer's guidelines (the CLC) as well as the Legal Ombudsman.
2. If after we have tried to resolve your complaint you are still not satisfied then you have two alternatives. Either, you can refer your complaint to ADR (under the Alternative dispute resolution directive) to ask them to mediate and try to resolve the complaint if it is not resolved by the our internal complaints procedure or to address the complaint to the Legal Ombudsman.

*Option 1). You can address your complaint for ADR mediation to ProMediate Legal Complaints Service. They are competent to deal with complaints against legal services providers and can be used if you and AVRillo agree to that scheme. Their website is http://www.promediate.co.uk/professionals-complaints/consumer-guidance/ You simply write to us to confirm either that you do agree to use the ProMediate or you do not agree to use ProMediate or alternatively. Their contact details are: 0203 621 3908 OR 0782 796 1764 OR enquiries@promediate.co.uk

*Option 2). You have the right to complain to the Legal Ombudsman, established under the Legal Services Act 2007, to deal with legal services complaints.

Ordinarily, the complainant must refer the complaint to the Legal Ombudsman no later than: - one year from the act/omission; or one year from when the complainant should reasonably have known there was cause for complaint.

The Legal Ombudsman,
PO Box 6167,
Slough,
SL1 0EH

Telephone: 0300 555 0333;

Email address: enquiries@legalombudsman.org.uk ;

Website: www.legalombudsman.org.uk

3. Time scales for a complaint? A full copy of our complaints procedure is available on request and will be sent to you upon receipt of a formal complaint. It is important that you raise your complaint as soon as it is a lot easier to make a contemporaneous investigation if a complaint is received as soon as it is felt.

The Legal Ombudsman was established to help resolve disputes between consumers and legal service providers.

The Legal Ombudsman deals with complaints about poor service, some examples of which would be:

• Delays;
• Failure to advise you of significant issues;
• Not responding to e-mails, letters or calls;
• Giving unclear advice;
• Charging an amount you are not happy with;
• Not doing work within the timescale; it should have been done.

 Before accepting a complaint for investigation, the Legal Ombudsman will check that you have tried to resolve your complaint with us first. 

If you have, then you must take your complaint to the Legal Ombudsman:

• No more than one year from the date of the act or omission being complained about or
• No more than one year from the date when you should have realised that there was cause for complaint;

And Within six months of receiving a final response to your complaint.

The Legal Ombudsman can be contacted as follows:

Visit www.legalombudsman.org.uk

Call 0300 555 0333 between 10 am to 4 pm.

Relay UK: 18001 0300 555 0333

Email enquiries@legalombudsman.org.uk

Legal Ombudsman PO BOX 6167, Slough, SL1 0EH

D.4 Authorisation to amend documents: In order to progress transactions as quickly as possible, we may issue documents to you for signing which require approval by another party or their conveyancer. If we are subsequently required to make amendments to document you have already signed, your acceptance of these Terms of Business provide your authority to do so. Any amendments will have been checked, and approved, by your conveyancer on you behalf. Should any substantial amendments be necessary we will, of course, take your specific instructions where appropriate.
Substantial Amendments may include but are not limited to:

- change of sale/purchase price
- addition of a contract clause
- addition of fixtures/fittings cost
- addition of a retention or allowance
- addition of a agreed indemnity

Similarly, we may sometimes be required to make amendments to your signed documents in order to correct minor errors such as spellings, full names, address etc. Again, by accepting these Terms of Business you are providing your authority to do so.

D.5. Disclaimers of AVRillo's Liability and Advice is strictly limited to advice for 'conveyancing only and for LLP only.

D.5.1: This means no other advice will be given or can be implied to have been given . Examples of advice we do not give (but these are not exhaustive) include: no Planning advice, no Financial advice, No Environmental advice, no long-term care planning advice, no Taxation advice, no Trust advice, no Wills advice, no Welfare benefits. However, you are strongly advised to take advice in respect of the aforesaid matters prior to you allowing us to exchange contracts.

D.5.2. No advice is given by AVRillo on the physical condition and/ or structure of the property . This means that you will be relying on your own investigations via a surveyor and other structural surveyor to both the physical and structure of the property you are buying. This means that AVRillo will assume no defect to the property or structure as we leave such issues for you to sort out via an independent expert as above.

D.5.3. No advice is given by AVRillo in Planning Property transactions . This means that you will be relying on taking your own planning advice prior to exchange of contracts.

D.5.4. No advice is given by AVRillo in respect of taxation matters . This includes general tax advice regarding purchase of property but also Stamp Duty advice such as whether you are liable to lower or higher rate tax, in respect of which you should take advice from your accountant or professional tax advisor, again prior to exchange. This means that you will be relying on taking your independent professional taxation advice prior to exchange.

D.5.5. These terms exclude third party rights under the 'Contracts (Rights of Third Parties) Act 1999 . This means no other party can rely on our advice (other than you alone). So if any third party reads our advice and/or reports and/or documents then we hereby exclude our liability to the said third parties and in turn means a): You are liable if they rely on our advice and b) only you can sue under the contract between us; and c) you agree to indemnify us if the said third party suffers consequential or exemplary damages, costs or losses, lost profits or opportunities a result of relying on our aforesaid advice and information.

D.5.6. No personal liability for any member of AVRillo. No member of AVRillo LLP) assumes any personal responsibility for any advice or opinions given. Your retainer is with the LLP and not with any member of the LLP in their personal capacity and it is not intended that any duty of care will arise between any member personally and you. As a Limited Liability Practice (LLP) our liability to you for a breach of your instructions shall be limited to our mandatory limit of insurance cover of £2million. We will not be liable for any consequential, special, indirect or exemplary damages, costs or losses, or any damages, costs or losses attributable to lost profits or opportunities. We can only limit our liability to the extent the law allows. In particular, we cannot limit our liability for death or personal injury caused by our negligence. Please ask us if you wish us to explain any of these terms.

D.5.7 No advice is given on the value of the property sold or purchased . As this is clearly outside our remit and we will not be held liable if the property is under or overvalued. This means you must seek independent valuation for the value of your property, including from an independent valuer/surveyor who is familiar with the area where the property is situated and from a combination of other sources such as two or more independent estate agents familiar with the said area.

D.5.8 No advice is given by AVRillo in relation to ‘Consumer Protection from Unfair Trading Regulations 2008’ and ‘Material Information’. Any replies or documents disclosed by the seller or Estate Agent either before or during your transaction in response to any additional questions raised in connection with ‘Consumer Protection from Unfair Trading Regulations 2008’ and ‘Material Information’ are provided to you on an information only basis and you will need to discuss these with your surveyor as they could affect the value of the property or your ability to mortgage it or sell it at full value.

D.6. Communication & Hours of work:

Hours of Work are between 9.00 am to 5.00 pm (Monday to Friday) unless at the discretion of your Conveyancer who may be able to assist where in cases of emergency or priority, to communicate with you outside those normal working hours. This is the Conveyancer's sole discretion and we ask clients not to abuse the Conveyancer's discretion by demanding emails or telephone calls to be replied to or work done outside their normal working hours. Communication between us: To ensure clients understand our legal advice and have the opportunity to keep a record of our advice for consideration at a later date and/ or a more detailed consideration we prefer to provide our advice by letter and email but of course you are always welcome to telephone us and where appropriate we may either provide guidance by phone but where appropriate we will try to reassure by telephone and advise in writing to minimise the risk of error, or misunderstanding and/ or misinterpretation of our advice and guidelines on what you should do.

D.7 Lender conflict of interest (if we also act for your lender, if any): Where you instruct to act for your lender it means that both of your and your lender are our client, and we act for each one of you independently. This means we will owe an equal duty to each of you. It also means that if a conflict of interest arises, we may have to stop acting for both of you. If this occurs, we will not make any charge for the legal work carried out on your behalf up to that point, but disbursements that we have incurred on your behalf will of course remain payable. We ask you, therefore, to please not put us in a compromising position, as we will have to disclose this to your lender even if it causes you to lose your mortgage offer (please note, we also exclude all liability for losses you suffer as a result of us acting in accordance with your obligations to your lender). A common example would be where you are purchasing a property and your funding is coming from a third party, the existence of which we would need to disclose to your lender, and you instruct us not to divulge this information to them.

D.8. Compliance with the referrals and Introductions code: AVRillo are independent and when instructed, you become our client and no one else except where you have a lender and you also instruct us to act for your lender; in which case we will be acting for both you and your lender. On some occasions an estate agent may be asked by their vendor or buyer to recommend a solicitor to deal with their conveyancing. If the estate agent recommends us to help their buyer or vendor then on some occasions, on a successful completion of a purchase or sale, we may make a referral fee payment to them which is paid from our own pocket and out of our overheads and will not affect the costs charged to our client. If such is done then this will be notified to you in our initial client care letter. Where paid the referral fee will vary from £50 per transaction to £300 per transaction. You do not have to go with the recommendation of conveyancer or solicitor provided by the agent and can find your own. Please note that we do not accept any recommendations from cold callers or those which have been cold called by an introducer. If you have been cold called please notify us in advance as our policy is not to accept your instructions. We are sorry for any inconvenience this may cause but we want to maintain our independency from any introducer. The only exception is if you have been referred from a previous customer or client of ours or from a friend or family of that previous customer on the basis of the service we provided for the said previous customer.

D.9. Data Protection: We will comply with the Data Protection Act 1998.

Client Confidentiality and Disclosure: It may be required that we correspond with the following external bodies in respect of your transaction:

• National Crime Agency
• Legal Ombudsman
• Council for Licenced Conveyancers

By instructing us, you confirm that you authorise us to correspond with the above parties and give full consent for any disclosure required.

/or purchase. Where you have instructed AVRillo to act on your sale and/or purchase you authorise to share information about your case with the referring Estate Agents, Estate Agent acting on your sale and/or purchase, your broker and any other party within the chain to assist in the aim to reach the outcome of completion on your transaction.

D.10. Co-operation: You have a duty to co-operate by complying with requests made by AVRillo for specific information and/ or documents that we think fit to allow us to follow the appropriate codes and practices, including: The CLC (Council of Licenced Conveyancers) Code; your Lender obligations; UK Finance Lenders Handbook (previously The Council of Mortgage Lender) Handbook; the Conveyancing Association, if we choose to adopt that. Also you must not ask us to mislead third parties such as the Stamp Duty office, your lender, your estate agent or other solicitor. Breach of this section may lead to us having to terminate of your instructions whereupon you become liable for costs under sections 1 and 2.

D.11 Acting for both the buyer and seller: We are permitted by the Council for Licensed Conveyancers to act on both (or all) sides of a transaction provided that there is no apparent conflict of interest and we do not envisage that there is likely to be, and both parties agree in writing to this firm acting. This is on the clear understanding that should a conflict of interest arise during the course of the transaction, then it will be necessary, under our practising Rules, to ask one or both parties to seek alternative legal representation. If this occurs, we will not make any charge for the legal work carried out on your behalf up to that point, but disbursements that we have incurred on your behalf will of course remain payable.

D.12. Termination

Termination by you: You may terminate your instructions to us in writing at any time.

Termination by AVRillo: We are entitled to terminate upon the following examples:

i): Where we suspect you intending to carry out an unethical act and/ or illegal act (e.g. Stamp duty avoidance) or providing misleading and/ or false and/ or hiding information from your Lender (e.g. gifts) or from other involved third parties such as the other solicitor or your estate agent. Also where you have been abusive in person or by telephone or by email, and/ or you have been defamatory;

ii): Pursuant to the Court of Appeal Case of Underwood, Son & Piper v Lewis (held the solicitor may terminate the retainer before the end on reasonable notice on reasonable grounds); and

iii): Guidelines on termination: In accordance with the code of conduct, our regulators allow us to cease acting for a client if there is good reason and on reasonable notice. Examples of reasons why we would cease acting include but not limited to: acting in the best interest of the client requires us to do so, lack of expertise in a complex area of law outside of conveyancing, conflict of interest arises, or a breakdown in confidence in you in us and vice-versa, or simply where the lawyer has been unable to obtain proper instructions, instructions are inconsistent, instructions are such that it affects our professional duty and/or ethical standards. In addition, we have the right to cease acting in circumstances where there is break drown of trust, examples of which include and not limited to, you do not allow us to advise, you use abusive language towards our staff, you talk over us, you do not allow us to manage your expectations. Further if you ask us to deal with additional work which we in our absolute discretion do not want to deal with then we will not carry out that additional work and at that point if we feel you are putting pressure on us to deal with the additional work then we reserve our right to terminate your original instructions.

iv): Payment and notification on Termination: We will charge costs in accordance with Section 1 and 2 of our terms and hold onto all papers (legal 'lien') until payment is received. We will also write to all relevant parties including lender and estate agent. Please note that if we have to terminate as above, we do exclude any liability for losses arising. Where we are instructed by both buyer and seller and we have had to cease acting for you due to a conflict of interest, please refer to D11 Above. Separately, there will be no charge for the legal work carried out on your behalf, if we are unable to act should a conflict of interest arise during the course of the transaction including where interests conflict directly with your own, the practice’s, or another client.

D.13 Exclusion of Third party rights under The Contracts (Right of Third Parties) Act 1999. Our advice is confidential to you and we shall not be responsible if you make it available to third parties. No person who is not a party to the agreement embodied in these terms of business shall, in the absence of any express agreement to the contrary, have any right under the Contracts (rights of Third Parties) Act 1999.

E: MISCELLANEOUS COMPLIANCE AND FINANCIAL MATTERS

E.1. Professional Indemnity insurance cover

E.2. Money Laundering Compliance

E.3. Cash and payments from third parties

E.4. Destination of funds

E.5. Request for breakdown of costs or description and evidence of work carried out

E.6. Lien on unpaid bills

E.7. Redemption Statements/ Your Estate Agent Commission.

E.8. Your Estate Agent Commission

E.9. Banking Collapse/ Failure

E.10. The legal principle of 'force majeure'

E.11. No Financial Advice

E.12. Interest on our bills

E.13. 'Unclaimed' Balance left on your account and 'un-cashed' balances

E.14. Omission of charges

E.15. Payment by you of disbursements and costs

E.16. Money on account

E.17. Commission for work

E.1. Professional Indemnity insurance cover to £2,000,000 (£2 million pounds aggregate of all liability arising out of your transaction): You have the benefit of our indemnity insurance cover in the event that we make a legal mistake. Our cover is with AmTrust Europe Limited & Liberty Mutual Insurance Europe SE (UK Branch) c/o Collegiate Management Services Ltd, 2nd Floor, 18 Mansell Street, London, E1 8FE

E.2 Money Laundering Compliance: You are requirement to comply with the Government’s anti-money laundering legislation. To assist you in doing this we will provide you with a link for our third-party AML solution provider, Checkboard. This enables us to both verify your identification and, where appliable, the source of any funds you are providing to us. The product works as follows:

Verify your identity: Use your smart phone to take a video of your face on their app. Then, hover your smartphone camera over your photograph and signature page of your passport.

Evidence of funds (where applicable) Continue on the app to the bank section and choose your bank account from which you will use funds to purchase your property. The government needs to ensure all buyers show their funds are not tainted with criminal laundered money, even if innocently done to reduce fraud and cyber crime - costing buyers millions of losses a year. Whereas email or posted bank statements can be intercepted by hackers or forged withing minutes, Checkboard will give you the security and protection of the government and FCA (Financial Conduct Authority) approved Open Banking Technology, ‘True Layer.’ Their stringent standards keep your data safer with reduced risk of it being stolen and your money lost, as the checks are down within the banking system, not on paper.

E.3 Cash and payments from third parties: We do not accept payments in cash over £500.00, and you should speak to your lawyers before attempting to make any such payment to ensure we can accommodate this. Payments made on behalf of you by third parties are still subject to the usual AML rules. Please notify us if you require another party to make payment on your behalf as we may require them to complete AML documents.

Where a client is receiving funds from a third party to assist with their purchase, the funds will generally be paid to the client, not directly to the firm. The third party will also be subject to the same CDD as the client.

E.4. Destination of funds: Where we need to pay money to you then this will be paid as follows: To the client's sole account (if a sole client) to the client's joint account (if a joint client). Also we do not pay out to third parties (unless an estate agent commission on a sale) and any payments are normally made by cheque, unless the transaction requires by TT or BACS.

AVRillo Invoices and payment: We can send an invoice at any time but usually this is sent on completion (on a sale following which we deduct the same from your net sale proceeds). On a purchase this is sent on exchange with payment to clear in our account three working days prior to completion otherwise we may not be able to complete.

E.5. Description of work and breakdown of costs.

If you ask for a description of work carried out by AVRillo then you will receive either (or a combination) of the following: a):We will itemise the number of hours spent on the file multiplied (x) by the hourly rate of your conveyancer; or b): send you an extract from Sections C.1.v 1 of our terms (the basic costs 'case plan') and any additional services you use from Sections 2 "costs menu"; or c): send you a screen print of your history screen of work done and dates worked on.

E.6. Lien on unpaid Bills: We are entitled to keep all your papers and documents (including deeds) while money is owing to us.

E.7.Redemption Statements. On a sale only: You authorise AVRillo to obtain redemption statements before and after exchange in relation to all mortgages or other debts secured and registered on the property and to discharge all such debts on completion.

E.8 Your Estate Agent Commission. On a sale only: We will send you your estate agents commission and assume you authorise AVRillo to discharge your estate agents commission (on a sale) unless you revoke this authority in writing prior to completion and simultaneously also notify your estate agent. We likewise will notify your agent if you revoke this authority.

E.9.Banking Collapse/ Failure: We are duty bound to explain the FSCS scheme (Financial Services Compensation Scheme) in the event of a banking collapse as follows: AVRillo bank with Barclays Bank Plc which means that any client money is held with Barclays Bank. In the event of a bank collapse or bank failure and/or where the bank is unable to repay depositors in full and/or the bank's conduct has affecting our ability to obtain your money, then we hereby exclude liability for any loss arising. However, you may or may not be entitled to compensation under the Financial Services Compensation Scheme ("FSCS") up to a limit of £85,000. In the unlikely event of a deposit-taking institution failure, we shall presume (unless we hear from you in writing to the contrary) that we have your consent for the disclosure to FSCS of client details.

E.10 The legal principle of 'force majeure' will apply in that we cannot be held liable for delay (or financial or other loss arising) due to causes beyond our control (e.g.: where we have had to report to a third party such as the Lender or NCA and delay is caused because we cannot progress your transaction without their consent.

E.11 No financial advice provided We do not provide financial advice. Insurance Mediation: We are not authorised by the Financial Conduct Authority (FCA). However, we are included in the register maintained by the FCA so that we can carry on Insurance Distribution Activities, which is broadly advising on, selling and administration of insurance contracts. This part of our business is regulated by the Council for Licensed Conveyancers, and arrangements for complaint or redress if something goes wrong are subject to the jurisdiction of the Legal Ombudsman (contact details can be found in section D.3 above). The register can be accessed via the FCA website at https://register.fca.org.uk

E.12. Interest: Our interest policy is that as we do not typically hold large amounts of client money for long periods and due to administrative costs, we generally do not pay interest on client account funds. By agreeing to these terms, you're opting out of the CLC Accounts Code provision for interest payments. If you disagree, please inform us immediately. We may consider interest payments in exceptional cases upon request.

E.13 “Unclaimed” Balance left on your account and “Un-cashed” balances (i.e., if cheque is not banked by you). If, following completion of your transaction or the transaction becoming abortive, we find there is a balance remaining on your account of less than £51.00, you agree that we can send this to you as stamps to your last known address. For balances of £51.00 or more, once we have taken all reasonable steps to try and return this money to you, the funds will be sent to our regulator, the Council for Licensed Conveyancers (CLC), in accordance with their requirements. The CLC will return this money to you upon receiving evidence you are the rightful recipient, and their contact details are shown at D.3 above.

E.14 Omission of charges: Where we have had omitted to fully charge you for additional work before completion then you specifically agree by this term that we can deduct our costs from any money which may be left on your account and provide an itemised invoice for the same.

E.15 Payment by you of disbursements and costs: You agree to indemnify us against expenses and disbursements and costs.

E.16 Money on account: AVRillo do not make it a policy to ask for up front for money on account of costs. Unusual circumstances may lead to a request for a payment on account for unusual circumstances where you instruct us to ask for a third party advice such as a barrister's advice or lease extension value. On such occasions we will agree an estimate for that 3rd party and also for our additional costs for dealing with that issue and ask you to make a payment in advance in respect of the same.

E.17 Commission for work: We do not receive any commission from third parties, but in the event that we did then we would credit this to you-our client.

E.18: The CLC Compensation fund: The CLC Compensation Fund is an important protection mechanism for clients of licensed conveyancers. It ensures that clients can receive compensation in cases where they suffer financial loss due to the dishonest actions or failure to account for money by a CLC-regulated individual or firm. If you make a valid claim against us for a loss arising out of work for which we are legally
responsible, and we are unable to meet our liability in full, you may be entitled to claim
from the Compensation Fund administered by the Council for Licensed Conveyancers (from whom details can be obtained”) .

More detailed explanation of Option 1 fuller set of searches:

F.1 Conditions to qualify for benefits of option 1 fuller searches pack:

a) Property must be under £909,000.00 for block indemnity insurance cover and

b) Must be under £100,000,000 for personal searches,

F.2 What cover do you receive in option 1 searches for £463.80?

Benefit 1: Five personal searches: Local authority, Water, Flooding, Environmental (contamination) and Chancel;

Benefit 2: A free set of 2nd searches

- Free 2nd Water search if your 1st purchase falls through

- Free 2nd Local Authority Search if your first purchase falls through

- Free 2nd Environmental Search if your first property falls through

- Free 2nd Flooding search; plus

Benefit Of Block Policy

Which will be included if the seller’s are not providing a policy with will cover any specific issue that is raised in relation to the property

Benefit 3.i. A free block indemnity INSURANCE policy for freeholds which covers below list for free:-

- free missing planning permission

- free missing building regulation completion certificate

- free missing FENSA for

- free breach of restrictive covenants

Benefit 3.ii: A free block indemnity INSURANCE policy for Leaseholds which covers below list for free:-

- free missing building regulation completion certificate

- free missing FENSA

Benefit of Block Indemnity Insurance Policy: The block policy insurance can reduce delays because the policy can help resolve issues with the legal title, making it less risky to purchase. For example 'Restrictive Covenants' can exist over the property which can affect or restrict your use of the property. This can cause difficulties particularly if the property has been extended, altered or subject to other works (the policy does not relate to leasehold covenants). Another example is where planning permission and/or building regulations were required in respect of alterations or extensions to property (including replacement of windows and doors, boiler and electrical installations and other matters falling under building control) but where these are missing. In such situations a buyer can purchase a legal indemnity insurance. This is particularly common where the buyer is also obtaining a mortgage as the insurance helps protect the lenders loan over the property (again this does not relate to failure to obtain planning permission where a Property is a flat or maisonette. One of the biggest problems when it comes to purchasing indemnity insurance is who is going to pay for it (the seller or buyer). Typically a seller should pay but often the buyer purchases the insurance just to move things along, especially in a market where the prices are changing. Without this, negotiations to agree the policy and its cost with the seller's solicitor can take weeks and delay exchange of contracts. Depending on the issues found on your purchase (and whether you benefit from a 2nd set of searches for free) the value of this combined policy could be anywhere from £200- £800. The arrangement is with Isis Conveyancing Insurance Specialists the insurance is provided by Liberty Legal.

F.3. Other optional searches (only if relevant): These will depend on your property and your status (e.g. if you are a company then you will need a company search) if the property is near HS2 railways works, near a Tin, Coal, Brine Mining works etc. Until we open your file (and reviewed your Land Registry title deeds/other documents) we won’t know which searches are relevant. For example: Tin mining search: (AVR fee of 32.50 + vat + 3rd party Conveyancing Data disbursement-£60.00: Total £99; Coal & Brine search (AVR fee of 64.20 + vat + Conveyancing Data disbursement £34.80: Total £99.

F.4. Stages of a transaction

Whilst your client portal will keep you fully updated with the stage you are at in the transaction in more detail, please see the below brief explanation of each stage.

• Instruction and Initial Checks: The buyer or seller instructs a conveyancer or solicitor to handle the transaction. The conveyancer conducts initial checks, such as verifying the buyer's identity and obtaining property details from the seller.
• Pre-Contract Stage: The seller's conveyancer prepares a draft contract and provides it to the buyer's conveyancer, along with relevant documents (e.g., title deeds, property information forms). The buyer's conveyancer reviews these documents, raises any inquiries, and conducts searches (such as local authority, environmental, and water/drainage searches).
• Mortgage and Survey: If the buyer is using a mortgage, the lender will need to approve the property and the buyer's financial status. The buyer may also commission a survey to assess the property's condition.
• Exchange of Contracts: Once all inquiries are resolved, searches are complete, and both parties are satisfied with the terms, they sign the contract. The buyer pays a deposit (usually 10% of the purchase price), and contracts are formally exchanged, making the transaction legally binding.
• Completion: On the agreed completion date, the remaining balance of the purchase price is transferred from the buyer's conveyancer to the seller's conveyancer. The seller vacates the property, and the keys are handed over to the buyer.
• Post-Completion: The buyer's conveyancer registers the new ownership with the Land Registry, pays any stamp duty (if applicable), and sends copies of the title deeds to the buyer and the lender.

G.1. Staff - We attach a copy of the staff names, titles, qualifications and years of experience.