IfI were to buy a freehold propertyin Poplar for cash and have no survey and no conveyancing searches how much would I expect to to save on my conveyancing in Poplar?

Any savings you would achieve would be isolated to the Poplar conveyancing searches. Your conveyancer still be obliged to do everything else - money laundering, liaising with your sellers solicitor, stamp duty submission, register the property etc. A marginal saving might be made by not needing to register a mortgage however it will not be a lot.

It is a dozen years since I acquired my house in Poplar. Conveyancing solicitors have just been instructed on the sale but I can't find my title deeds. Will this jeopardise the sale?

You need not be too concerned. Firstly there is a chance that the deeds will be retained by your mortgage company or they could stored with the conveyancers who handled your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. The vast majority of conveyancing in Poplar relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.

What is the difference between a licensed conveyancer and conveyancing solicitor in Poplar

There are many registered licenced Conveyancers in Poplar and Solicitor partnerships in Poplar offering conveyancing It is important to make clear that both are supervised by regulatory bodies with both specialising in the legal work in the home buying process. Both can deal with associated property related work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.

I currently have a mortgage with RBS for my property in Poplar. Conveyancing has been completed some time ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform RBS?

RBS must be informed of your intention before renting your property as this is likely to be a breach of RBS’s mortgage conditions. It may be that RBS will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact RBS directly. You need not do this via a RBS conveyancing panel firm.

I have instructed a Poplar property lawyer having made sure that they are on the RBS conveyancing panel. Does my lawyer arrange the survey of the property?

RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Poplar postcode. As you are getting a mortgage with RBS, you could contact them to see if they have a list of approved surveyors in Poplar.

Over the last few months I have been searching for a leasehold apartment up to £235,500 and found one near me in Poplar I like with open areas and transport links in the vicinity, the downside is that it's only got 52 years on the lease. There is not much else in Poplar for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?

If you need a home loan the shortness of the lease will likely be an issue. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the property for a minimum of 2 years you may request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this.

I am a FTB in Poplar, just starting to look for a home. I am in need of a Poplar conveyancing solicitor. My family lawyer is based in N.Ireland and unable to help.Can you refer me to a cheap Poplar lawyer that will assist us as well as represent Aldermore?

LenderPanel.com is restricted to being a directory service for solicitors who wish to be listed as being on the approved conveyancing panel for Aldermore in certain areas for instance Poplar . We dont recommend any specific solicitor.