We expect to receive a DIP from UBS this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do UBS recommend any Chiseldon solicitors on the UBS conveyancing panel, or is it better to go independently?

You will need to appoint Chiseldon solicitors independently although you'll need to choose one on the UBS conveyancing panel. The solicitor represents both you and UBS through the process.

The mortgage over my property is with Santander for my property in Chiseldon. Conveyancing was finalised 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Santander?

You must advise Santander in advance of letting out your property as this is likely to be a breach of Santander’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Santander directly. It should not be necessary to do this via a Santander conveyancing panel lawyer.

Planning on purchasing a apartment in Chiseldon. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Bank of Ireland conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Chiseldon lawyer is on the Bank of Ireland conveyancing panel.

Due to the advice of my in-laws I had a survey completed on a house in Chiseldon before appointing lawyers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some banks will not grant a loan on this type of premises.

It varies from the lender to lender. HSBC has different requirements from Nationwide. Should you wish to call us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Chiseldon. Conveyancing may be slightly more expensive based on your lender's requirements.

Given that I will soon part with hundreds of thousands of pounds on a property in Chiseldon I would like to talk to a lawyer concerning thetransaction in advance of giving the go ahead to the firm. Can this be arranged?

Absolutely - we would be delighted to talk to you we do not take any clients on without you first talking to the lawyer who will be doing your conveyancing in Chiseldon.There is no ‘factory style conveyancing’ - every client is an important person, not a case reference. The solicitors that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Chiseldon should be the figure that you are charged.

Due to sign contracts shortly on a garden flat in Chiseldon. Conveyancing lawyers have said that they report fully tomorrow. What should I be looking out for?

Your report on title for your leasehold conveyancing in Chiseldon should include some of the following:

Repair and maintenance of the flat Responsibility for repairing the window frames Your lawyers should enable you to have an understanding of the insurance provisions Specifying your rights in respect of common areas in the block.For example, does the lease grant a right of way over a path or staircase?

Leasehold Conveyancing in Chiseldon - Sample of Queries before Purchasing

Who are the managing agents? It would be sensible to find out as much as possible concerning the company managing the building as they can either make your life much simpler or problematic. Being a leasehold owner you are often at the mercy of the managing agents both financially and when it comes to daily issues like the cleanliness of the communal areas. Ask prospective neighbours if they are happy with their management. Finally, investigate as to the dates that you are obliged pay the maintenance charge to the managing agents and specifically what you get for your money. The answer will be useful as a) areas may cause problems for the building as the common areas may begin to deteriorate if repairs are not paid for b) if the leaseholders have an issue with the managing agents you will want to have all the details

I pay a maintenance contribution for my first floor flat in Chiseldon. Due to losing my job and other issues I slipped into arrears with remittance. The freeholders agreed a clearance plan but there remains three thousand pounds remaining to be paid.

I now wish to dispose of the property and I am nervous that this could jeopardize the sale if I have to discharge the arrears first. Do I have to settle before - is this achievable?

Your conveyancing practitioner should be in a position to negotiate with the appropriate parties, and agree with them whether or not they would accept settlement out of the sale proceeds. Here is an example of why it is advisable to select a lawyer in Chiseldon as they may well have a strong line of communication with the management company.