I am in the throes of changing my existing standard home loan to a BTL Aldermore mortgage. The bank has said that I must appoint a lawyer for this. I got in contact with my past Perranporth conveyancing practitioner who dealt with the legals when I previously bought the premises. The costs estimate they've given of £470 has surprised me as its a refinance than a sale or purchase.

The costs illustration is slightly on the high side. Where you are happy to spend time contrasting costs you might decrease the fees slightly by say a hundred pounds. On the other hand, providing that you were happy with the assistance the firm provided you maycome to rue choosing an an untested conveyancer. Remember to be sure that the firm can also act for Aldermore. You can employ our search tool to find a Perranporth conveyancing firm on the Aldermore member panel, which can often include conveyancing solicitors in Perranporth.

I have todaydiscovered that Wolstenholmes have closed. They carried out my conveyancing in Perranporth for a purchase of a leasehold apartment 18 months ago. How can I check that my home is not still registered in the name of the former proprietor?

The easiest way to check if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Perranporth conveyancing specialists.

Due to the encouragement of my in-laws I had a survey completed on a house in Perranporth ahead of retaining lawyers. I have been told that there is a flying freehold element to the property. Our surveyor has said that some lenders may refuse to grant a mortgage on this type of premises.

It depends who your proposed lender is. Lloyds has different requirements for example to Halifax. If you call us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Perranporth. Conveyancing may be slightly more expensive based on your lender's requirements.

I'm refinancing my current home to a buy to let loan with Nottingham Building Society and intend to use the remaining equity as a deposit on a second property. The neighborhood we are looking at is Perranporth. Will your lawyers be able to act for the two banks and link together the two deals?

Do use our search tool on this site to be sure that the solicitors are approved by both lenders. Assuming that they are your conveyancer will be able to simultaneously deal with the two transactions but you should have a chat with you solicitor and make apparent your expectations and needs.

I am an executor of my recently deceased parent's Will, with a property in Perranporth which will be marketed. The house has never been registered at the Land Registry and I'm told that some purchasers will insist that it is done before they will proceed. What's the mechanism for this?

In the situation that you have set out it seems prudent to apply to register in the names of the personal representative(s) as named in the probate and in their capacity as PRs. HMLR’s online guidance explains how to register for the first time and what is required re the deeds and forms. You would need to include and official copy of the probate as well and complete the form FR1 to refer to the PRs as the applicant.