In the event thatI were to acquire a freehold homein Brown Edge mortgage fee and dispense with a survey and no local authority searches how much should I expect to to save on my conveyancing in Brown Edge?

The sole reduction in fees you would achieve is the Brown Edge conveyancing searches. The lawyer still got to do everything else - money laundering, communicating with the vendors conveyancer, SDLT submission, register the title etc. A slight saving might be made by not needing to register a mortgage but it won't be a lot.

My husband and I are purchasing a 2 bedroom apartment in Brown Edge with a residential mortgage from Nationwide Building Society.We like our Brown Edge conveyancing practitioner but Nationwide Building Society advised that her practice is not on their approved list of member firms. We have to appoint a Nationwide Building Society panel firm or keep our high street solicitor and fork out for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?

Unfortunately,no. The mortgage offered to you contains terms and conditions, a common one being that lawyers needs to be on the Nationwide Building Society solicitor panel. Until recently, most lenders had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Nationwide Building Society

I purchased a renovated Victorian house in Brown Edge. Conveyancing practitioner represented me and TSB. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold with the matching address. I'd like to know for sure, how can I find out??

You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Brown Edge and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the situation with your conveyancing solicitor who completed the work.

Taking into account that I am about to part with over three hundred thousand on a garden flat in Brown Edge I wish to have a conversation with the lawyer regarding thehome move in advance of appointing the firm. Is this something that you can arrange?

Absolutely - we would be delighted to talk to you we do not take any clients on without you speaking to the lawyer due to be doing your property ownership legalities in Brown Edge.There is no ‘factory style conveyancing’ - each client is an important individual, not a matter reference. The practices that we put you in touch with believe that the figure you are calculated and presented to you for your conveyancing in Brown Edge should be the figure that you end up paying.

Last June I purchased a leasehold property in Brown Edge. Do I have any liability for service charges relating to a period prior to my ownership?

In a situation where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Brown Edge Leasehold Conveyancing - A selection of Queries before Purchasing

Be sure to discover if there is anything that is prohibited in the lease. For instance it is fairly common in Brown Edge leases that pets are not allowed in in a block in Brown Edge. If you like the propertyin Brown Edge but your cat can’t make the move with you then you will be presented with a hard determination. What is the length of the lease? Does the lease include onerous restrictions?