I am one month into the sale of my house in Parkstone and the EA has just text me to advise that the buyers are appointing a new law firm. The excuse is that the lender will only deal with solicitors on their conveyancing panel. Why would a major lender only deal with specific law firms rather the firm that they want to appoint to handle their conveyancing in Parkstone ?

Mortgage companies have always had an approved set of law firms that can represent them, but in the past few years big names such as HSBC, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for more than 15 years.

Lenders blame a rise in fraud by way of justification for the reduction – criteria have been stiffened as a smaller panel is easier to maintain. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is being contacted daily by practices that have been removed from panels. Some are unaware that they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyers' case. The buyers are not going to have any sway in the decision.

I know that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when acquiring a property in Parkstone? or Apparently there is an ancient law that means some owners of property living in a parish church boundary may be liable to pay for maintenance towards the chancel within the church. Is this applicable for conveyancing in Parkstone?

Unless a prior purchase of the premises took place post 12 October 2013 you could assume that conveyancing practitioners conducting conveyancing in Parkstone to remain encouraging a chancel search and or chancel repair liability policy.

My wife and I purchased a semi-detached Georgian property in Parkstone. Conveyancing solicitor acted for me and Bank of Scotland. I did a free Land Registry search last week and I saw two entries: one for freehold, another for leasehold with the matching address. Is it worth asking Bank of Scotland to clarify?

You need to assess 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Parkstone and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with your conveyancing lawyer who conducted the work.

Just had an offer accepted on a new build flat in Parkstone. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Set out below are examples of a few leasehold new build questions that you can expect your new-build leasehold conveyancing in Parkstone

Please supply a car parking plan. Forfeiture - bankruptcy or liquidation must not apply under this provision. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. 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.

I'm refinancing my current house to a buy to let loan with Bank of Ireland and intend to use the remaining equity as a down payment on another house. The neighborhood we are interested in is Parkstone. Will your solicitors be able to act for the two banks and link together the transactions?

Make use of our comparison tool on this page to be sure that the conveyancers are approved by both mortgage companies. Assuming that they are the conveyancer should be able to simultaneously deal with the two deals but you should talk with you lawyer and make apparent your expectations and needs.