My husband and I are purchasing residence in Botley. My Conveyancer is not on the mortgage company approved list. Is it possible for me to use my Botley conveyancing solicitor notwithstanding that they are not on the mortgage company list of approved lawyers?

Your options include

• Carry on with your preferred Botley conveyancing practitioner but your mortgage company will need to instruct a conveyancer from their approved panel. This will result in additional charges and potential frustration.
• Choose a new conveyancer to conduct the conveyancing, making sure they are on the lender conveyancing panel.
• Appeal to your conveyancer to attempt to join the bank panel

Are the BSA intent on creating a searchable register to to identify solicitors on the Melton Mowbray Building Society conveyancing panel for example in Botley?

We have not been informed any intention on the part of the BSA to develop such a tool.

I am buying a new build apartment in Botley. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Set out below are examples of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Botley

Please confirm the Lease plans are surveyor prepared. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified.

I am hoping to put an offer on a small detached house that appears to be perfect, at a reasonable figure which is making it more attractive. I have since found out that the title is leasehold as opposed to freehold. I would have thought that there are issues buying a leasehold house in Botley. Conveyancing solicitors have are soon to be instructed. Will my lawyers set out the implications of buying a leasehold house in Botley ?

Most houses in Botley are freehold rather than leasehold. In this scenario it’s worth having a local solicitor used to dealing with such properties who can assist with the conveyancing process. it is apparent that you are buying in Botley so you should seriously consider looking for a Botley conveyancing solicitor and check that they are used to advising on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a leaseholder you will not be at liberty to do whatever you want with the house. The lease comes with conditions such as obtaining the freeholder’sconsent to carry out alterations. You may also be required to pay a maintenance charge towards the maintenance of the communal areas where the property is part of an estate. Your lawyer should advise you fully on all the issues.

Botley Leasehold Conveyancing - A selection of Queries before buying

How long is the Lease? It would be prudent to discover as much as possible about the managing agents as they will affect your use and enjoyment of the property. Being a leasehold owner you are often at the mercy of the managing agents from a financial perspective and when it comes to day to day matters such as the tidiness of the communal areas. Don't be afraid to ask other tenants what they think of them. On a final note, find out the dates that the service fees are due to the appropriate party and specifically what it includes. Please inform me if there are any major works on the horizon that will increase the maintenance charges?

My wife and I expecting to exchange on the purchase a house in Botley but as a consequence of wreckage from the recent storms I have agreed recompense from the vendor of £3k taking the form of a reduction in the price. This was going to be dealt with as part of the conveyancing process but the mortgage company will not agree to this. Why were they approached?

The conveyancer being on a mortgage company approved list is obliged to inform the lender of any changes to the purchase figure. If you prohibit your conveyancer to notify the price change to your lender then they would have no choice but to disinstructing themselves from acting for you and the mortgage company.