I am due to exchange on the purchase of a property in Egham but as a result of wreckage from the recent storms I have managed to agree recompense from the vendor in the sum of six thousand pounds by way of a reduction in the price. I had intended this to be addressed as part of a side agreement but RBS are not allowing this. Why were they approached?

The conveyancer that is on a RBS approved list is required to inform RBS of any variations to the sale price. If you were to refuse your conveyancing practitioner to notify the reduction to RBS then they would have to discontinue acting for you. In addition, RBS and you would have to appoint a new lawyer for your conveyancing in Egham.

I have paid off my mortgage with UBS. I assume I don't need a Egham lawyer on the UBS panel to discharge the mortgage at the Land Registry. Am I right?

If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where UBS has sent the Land Registry the discharge electronically, and
3. UBS has instructed the Land Registry to do so

It is unclear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Egham building society branch on various occasions and was told it does not impact the mortgage offer and they would lend. My Egham conveyancing solicitor - who is on the lender conveyancing panel- telephoned and was told they refuse to lend in accordance with their specific requirements. I simply don't know who is right.

Provided that the lawyer is on the bank approved list, they must adhere to the Council of Mortgage Lenders’ Handbook provisions for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.

My offer was accepted on a property in Egham on 6/12/2024, valuation was booked 4 days after, all came back fine. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Principality and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Principality conveyancing panel. Can the lender hold off the offer?

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Principality to deal with your lawyer's application to be on the Principality conveyancing panel. There's no guarantee that your solicitor will be accepted.

About to purchase a new build flat in Egham. Conveyancing is necessary evil 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 conveyancing.

Set out below is a sample of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Egham

The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Please confirm the Lease plans are architect prepared. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.

How do I use your search facility to choose a conveyancing solicitor in Egham on the approved list for my mortgage?

First select a bank such as Nationwide Building Society, Chelsea Building Society or TSB then specify your preferred area for example Egham. Conveyancing practices in Egham and across England and Wales should be listed.

How up-to-date is your search tool for the lender conveyancing panel in Egham? Do the lenders send you an updated list?

Egham firms and firms carrying out conveyancing in Egham themselves provide us confirmation that they are on the bank conveyancing panel as opposed to being supplied with a list from the mortgage company directly.