I am obtaining a offer of a home loan from Halifax. My intention is to instruct a Licensed Conveyancer in Kings Norton. Does the Halifax Solicitor panel allow for Licensed Conveyancers?

The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

I am assisting my step-mother sell her flat in Kings Norton. Does the solicitor order an energy performance certificate or should I organise this?

After the demise of Home Information Packs, energy assessments was maintained a required component of moving property. An energy assessment should be to hand before the property is put on the market. This is not a task that law firms ordinarily organise. Where you are instructing a Kings Norton conveyancing solicitor they might help arrange EPC’s given their relationships with reputable local accredited person

Forgive me if this question is silly but I am new to the house moving as FTB of a ground floor flat in Kings Norton. Do I collect the keys to the premises on completion from my conveyancer? If this is the case, I will instruct a High Street conveyancing solicitor in Kings Norton?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will electronically transfer the purchase money to the vendor’s conveyancers, and shortly after the monies have arrived, you should be able to receive the keys from the selling Agents and move into your new home. Usually this occurs early afternoon.

Co-operative have agreed my home loan in principle, my offer on a house in Kings Norton has been agreed to, now what?

The estate agent will need to be advised as to your property lawyer's details (be sure the conveyancing practitioners are on the lender’s approved list). Call up Co-operative or the financial adviser and finalise any relevant documentation. Co-operative will appoint a valuer who will get in contact with the selling agent or owners to schedule a slot for the valuation to happen. Once conducted (assuming no problems) it takes about ten days to receive the mortgage offer. Co-operative will issue the offer to you and your solicitors. The legal work will then take it’s course according the nature and complexity of the conveyancing in Kings Norton.

It has been three months following my purchase conveyancing in Kings Norton concluded. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I've recently found out that there is a flying freehold issue on a house I have offered on last month in what should have been a simple, chain free conveyancing. Kings Norton is the location of the property. What do you suggest?

Flying freeholds in Kings Norton are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Kings Norton you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Kings Norton may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

Having had my offer accepted I require leasehold conveyancing in Kings Norton. Before I get started I require certainty as to the remaining lease term.

Assuming the lease is recorded at the land registry - and 99.9% are in Kings Norton - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

I purchased a 1 bedroom flat in Kings Norton, conveyancing formalities finalised in 2003. Can you shed any light on how much the price could be for a 90 year extension to my lease? Comparable properties in Kings Norton with a long lease are worth £192,000. The average or mid-range amount of ground rent is £55 levied per year. The lease ends on 21st October 2078

You have 54 years remaining on your lease we estimate the price of your lease extension to be between £32,300 and £37,400 plus costs.

The figure that we have given is a general guide to costs for extending a lease, but we are not able to advice on the actual costs without more detailed due diligence. Do not use the figures in tribunal or court proceedings. There may be additional issues that need to be taken into account and clearly you should be as accurate as possible in your negotiations. You should not take any other action based on this information before getting professional advice.