My financial adviser requires my Kingsthorpe solicitor’s panel reference for the HSBC conveyancing panel. Can you suggest how I obtain this. I have tried my local Kingsthorpe office but they cant find it on their system.

You are best placed to get this information from your Kingsthorpe conveyancer . They maintain a central record lender panel numbers.

I am getting closer to an exchange on a flat in Kingsthorpe and my mum and dad have sent the ten percent deposit to my conveyancer. I am now told that as the deposit has not come from me my property lawyer needs to disclose this to my lender. Apparently, in also acting for the bank he must inform them that the balance of the purchase price is coming from anyone other than me. I disclosed to the mortgage company about my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?

Your conveyancer is legally required to clarify with mortgage company to ensure that they are aware that the balance of the purchase price is not from your own resources. The solicitor can only reveal this to your mortgage company if you permit them to, failing which, your lawyer must cease to continue acting.

I am about to put an offer on a leasehold flat in Kingsthorpe. The selling agents say that it is standard for flats in Kingsthorpe to have less than 75 years remaining. I am getting a loan with Bank of Ireland. Will the property be mortgageable given that the lease has 69 years left.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 21/1/2025 the requirements read as follows :

I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a straight forward, no chain conveyancing. Kingsthorpe is the location of the property. Can you shed any light on this issue?

Flying freeholds in Kingsthorpe are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Kingsthorpe you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Kingsthorpe may determine 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 premises.

I am hoping to sign contracts shortly on a studio apartment in Kingsthorpe. Conveyancing lawyers assured me that they report fully on Monday. What should I be looking out for?

The report on title for your leasehold conveyancing in Kingsthorpe should include some of the following:

You should have a good understanding of the building insurance provisions It needs to be made clear to you if the lease permits you to alter or improve anything in the property- you must know whether it applies to all alterations or limited to structural alteration, and whether consent is required if lease provides for a reserve fund for major repairs? specifics of the parties to the lease, for example these could be the tennant, head lessor, freeholder Rent payments - what is payable and what the invoice dates are, and also know whether this is subject to change

I own a leasehold flat in Kingsthorpe, conveyancing was carried out 6 years ago. Can you let me have an estimate of the premium that my landlord can legally expect in return for granting a renewal of my lease? Equivalent properties in Kingsthorpe with over 90 years remaining are worth £171,000. The ground rent is £50 levied per year. The lease expires on 21st October 2104

With only 79 years unexpired we estimate the price of your lease extension to span between £8,600 and £9,800 plus plus your own and the landlord's "reasonable" professional fees.

The suggested premium range above a general guide to costs for extending a lease, but we are not able to advice on a more accurate figure without more detailed investigations. Do not use the figures in tribunal or court proceedings. There may be other issues that need to be considered and you obviously want to be as accurate as possible in your negotiations. Please do not move forward placing reliance on this information before getting professional advice.