I am buying a leasehold flat in Messingham. My Conveyancer is not listed on the lender conveyancing list. Is it possible for me to use my Messingham conveyancing solicitor notwithstanding that they are excluded from the mortgage company list of approved lawyers?

You have numerous choices open to you here

• Complete the deal with your chosen Messingham lawyer but your bank will no doubt instruct a solicitor on their approved panel. The net result is additional cost and likely frustration.
• Appoint a new lawyer to act in the purchase, ensuring that they are on the bank conveyancing panel.
• Convince your conveyancing practitioner to pull out all the stops to get listed on the lender’s conveyancing panel

I am need of leasehold conveyancing for an apartment in a fairly new development (seven years old) in Messingham. The vast majority the properties are already disposed of. Is it strictly necessary to order neighbourhood searches for my conveyancing in Messingham?

You would be opening yourself up to an unnecessary risk in not carrying out Messingham conveyancing searches. Without searches you have no clarity over flooding, environmental etc which may mean you walk away due to potential problems down the line. If you are buying mortgage free there is no legal necessity to have them, but we would absolutely advise in the strongest possible terms that you have them. If time pressures and expenses are primary issues you should discuss with your solicitor about the options such as lack of search insurance available to you

A friend pointed out to me me that in buying a property in Messingham there could be various restrictions preventing external changes to the property. Is this right?

We are aware of anumerous of properties in Messingham which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Messingham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

Is it the case that all Messingham solicitors on the Barclays conveyancing panel are regulated by the SRA?

As solicitors, in order to be on the Barclays approved list of solicitors they would need to be regulated by the Solicitors Regulatory Authority. Some banks do permit licenced conveyancers on their panel in which case such firms would be governed by the CLC.

After months of negotiation I have agreed a price on a house in Messingham. My financial adviser suggested a conveyancer. I paid an on account payment of £225. Shortly after, the lawyer called me to say that they were not on the Kent Reliance conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Kent Reliance panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what was supposed to be a quick, no chain conveyancing. Messingham is where the house is located. Is there any guidance you can give?

Flying freeholds in Messingham are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Messingham you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Messingham 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 property.

I am hoping to put an offer on a small detached house that seems to be perfect, at a reasonable figure which is making it all the more appealing. I have since been informed that the title is leasehold rather than freehold. I would have thought that there are particular concerns purchasing a leasehold house in Messingham. Conveyancing advisers have are about to be instructed. Will my lawyers set out the risks of buying a leasehold house in Messingham ?

Most houses in Messingham are freehold and not leasehold. This is one of the situations where having a local conveyancer who is familiar with the area who can help the conveyancing process. We note that you are purchasing in Messingham so you should seriously consider shopping around for a Messingham conveyancing solicitor and be sure that they are used to advising on leasehold houses. First you will need to check the number of years remaining. As a tenant you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as obtaining the landlord’spermission to carry out changes to the property. You may also be required to pay a service charge towards the upkeep of the communal areas where the property is located on an estate. Your lawyer will advise you fully on all the issues.

Messingham Conveyancing for Leasehold Flats - Examples of Queries before Purchasing

Its a good idea to discover as much as possible about the company managing the building as they will either make your living at the property much simpler or much more difficult. As the proprietor of a leasehold property you will be at the mercy of the managing agents from a financial perspective and when it comes to every day matters such as the tidiness of the common parts. Ask other people whether they are happy with their management. Finally, investigate as to the dates that the service fees are due to the appropriate party and precisely what it includes. The best form of lease structure is where the freehold interest is in the ownership of the leaseholders. In this arrangement the tenants have being in charge if their destiny and even though a managing agent is often employed if the building is larger than a house conversion, the managing agent acts for the leaseholders themselves. The answer will be helpful as a) areas can result in problems in the building as the communal areas may begin to deteriorate if repairs remain unpaid b) if the tenants have an issue with the managing agents you will need to have complete disclosure