Forgive me if this question is silly but I am unseasoned as FTB of a ground floor flat in Earley. Do I pick up the keys to the house on the completion date from my solicitor? If this is the case, I will use a High Street conveyancing solicitor in Earley?

There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the purchase money to the seller's lawyers, and shortly after the monies have arrived, you will be able to collect the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.

We previously appointed solicitors with offices in Earley on the RBS solicitor panel. They are now charging me an additional fee for handling the RBS mortgage. Is this a supplemental conveyancing fee specified by RBS?

As unfair as it may seem, as long as it’s in their Terms of Engagement or Quote then yes your solicitor can levy a fee for this. This charge is not dictated by RBS but by your Earley conveyancing practitioner. Some firms on the RBS panel will quote an ‘acting for lender’ fee and others do not.

We were going to get a OIP from Nottingham this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Nottingham recommend any Earley solicitors on the Nottingham conveyancing panel, or is it better to find our own lawyer?

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

I completed on my flat on 4 June and my personal details is not yet registered. Should I be concerned? My conveyancing solicitor in Earley expressed confidence that it will be dealt with in less than a month. Are transfers in Earley particularly slow to register?

As far as conveyancing in Earley registration is no quicker or slower than anywhere else in the country. Rather than based on location, timescales can adjust depending on who lodges the application, whether it is in order and if the Land registry must send notices to any third persons or bodies. Currently in the region of three quarters of such applications are fully addressed within 12 days but occasionally there can be longer delays. Registration is effected once the buyer has moved in to the premises therefore an expedited registration is not typically primary concern but if there is a degree of urgency associated with the registration then you or your lawyers must communicate with the Registry to express the reasoning for the application to be prioritised.

Due to the advice of my in-laws I had a survey completed on a house in Earley before retaining lawyers. I have been advised that there is a flying freehold aspect to the house. The surveyor advised that some lenders may refuse to issue a mortgage on this type of house.

It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Earley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Earley to see if the conveyancing will be more expensive.

I need to instruct a conveyancing solicitor for remortgage conveyancing in Earley. I happened to land on a site which seems to have the ideal solution If there is a chance to get all this stuff done via web that would be preferable. Do I need to be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

What makes a Earley lease unacceptable for security purposes?

Leasehold conveyancing in Earley is not unique. Most leases are drafted differently and legal mistakes in the legal wording can sometimes mean that certain provisions are not included. For example, if your lease is missing any of the following, it could be defective:

A provision for the recovery of money spent for the benefit of another party.

A defective lease will likely cause problems when trying to sell a property as they can affect a potential buyer’s ability to obtain a mortgage. Barclays , Barnsley Building Society, and Barclays Direct all have very detailed conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is defective they may refuse to provide security, obliging the buyer to pull out.

Earley Conveyancing for Leasehold Flats - Sample of Queries before Purchasing

This question is important as a) areas may cause problems in the building as the common areas may start to deteriorate where repairs are not paid for b) if the leaseholders have an issue with the running of the building you will wish to have full disclosure Who is in charge of the block? The prefered form of lease structure is if the freehold reversion is in the ownership of the leaseholders. In this arrangement the lessees enjoy being in charge if their destiny and even though a managing agent is frequently retained if the building is larger than a house conversion, the managing agent is directed by the tenants.