We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Is the implication that I have to appoint their panel lawyer as I would much rather use a Higher Kinnerton based conveyancing firm?

Do check but the the probability is that appoint one of their panel lawyers should you take up the "fee-free" incentive. Call the lender and see if they make available a cash alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor in Higher Kinnerton.

Me and my brother purchased a renovated Victorian property in Higher Kinnerton. Conveyancing practitioner represented me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, another for leasehold under the matching address. I thought I was buying a freehold how can I check?

You should review the Freehold register you have again and check the Charges Register for 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 Higher Kinnerton and other areas of 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 check the situation with the conveyancing practitioner who completed the work.

How does conveyancing in Higher Kinnerton differ for new build properties?

Most buyers of new build residence in Higher Kinnerton contact us having been asked by the builder to exchange contracts and commit to the purchase even before the house is ready to move into. This is because house builders in Higher Kinnerton typically acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Higher Kinnerton or who has acted in the same development.

We are 18 days into a leasehold purchase having been directed to a firm by the estate agent to do our conveyancing in Higher Kinnerton. I am am starting to be dissatisfied with the level of service. Could you you assist me in finding new solicitors?

They would have to be very poor in order to consider diss instructing them. Has the loan offer been issued? If so you must make them aware of the new lawyer and ensure the offer are re-sent. Your conveyancer needs to be on the lenders panel to avoid supplemental fees and complications. So that should be your first question of the new conveyancers. The find a solicitor tool will help you find a bank approved conveyancer for your conveyancing in Higher Kinnerton

My wife and I purchased a leasehold flat in Higher Kinnerton. Conveyancing and Aldermore mortgage are in place. A letter has just been received from someone saying they have taken over the freehold. Attached was a ground rent demand for rent dating back to 1998. The conveyancing solicitor in Higher Kinnerton who acted for me is not around. Do I pay?

First contact the Land Registry to be sure that this person is in fact the registered owner of the freehold reversion. There is no need to instruct a Higher Kinnerton conveyancing lawyer to do this as you can do this on the Land Registry website for a few pound. You should note that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.

Higher Kinnerton Leasehold Conveyancing - Examples of Questions you should ask before Purchasing

You should be aware if it is fewer than eighty years it will affect the value of the flat. Check with your lender that they are willing to to proceed given the lease term. A short lease means that you will most likely have to extend the lease sooner rather than later and you need to have some idea of how much this will be. For most Higher Kinnertonlease extensions you will need to own the property for 24 months in order to be entitled to exercise a lease extension. The majority of Higher Kinnerton leasehold apartments will have a service charge for the upkeep of the building invoiced by the management company. If you acquire the apartment you will have to meet this liability, normally quarterly during the year. This could differ from a couple of hundred pounds to thousands of pounds for bigger purpose-built blocks. There will also be a rentcharge for you to pay yearly, this is usually not a exorbitant figure, say approximately £50-£100 but you should to check it because on occasion it can be many hundreds of pounds. Best to be warned whether fixing the lift or some other significant cost is coming up to be shared between the tenants and may well materially increase the the service charges or necessitate a specific payment.