My solicitor has identified a a legal deficiency with the lease for the property we are buying in Radford. The other side have offered title insurance as a workaround. We are happy with insurance and will cover the costs. Our property lawyer says that he must check that the lender is willing to move forward with this solution. Who is the client here, us or the bank?

Notwithstanding that you have a mortgage offer from the bank does not mean to say that the property will meet their provisions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook conditions. You and the bank are the client. The appropriate lender specifications have to be complied with.

three months have gone by following my purchase conveyancing in Radford concluded. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

The estate agent has sent us the confirmation of our purchase of a new build flat in Radford. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here is a sample of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Radford

Please confirm the Lease plans are surveyor prepared. Please supply a car parking plan. 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. There must be mutual enforceability of lessee’s covenants. 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.

Over the last few months I have been searching for a ground for flat up to £305k and identified one near me in Radford I like with a park and transport links in the vicinity, however it's only got 51 remaining years left on the lease. I can't really find anything else in Radford suitable, so just wondered if I would be making a grave error acquiring a short lease?

Should you need a home loan the remaining unexpired lease term will likely be a potential deal breaker. Reduce the price by the expected lease extension will cost if not already taken into account. If the current owner has owned the premises for at least 2 years you can request that they start the process of the extension and then assign it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this matter.

In my capacity as executor for the will of my grandmother I am disposing of a property in Monmouth but live in Radford. My solicitor (approximately 235 miles from mehas requested that I sign a stat dec ahead of the transaction finalising. Could you suggest a conveyancing solicitor in Radford who can attest and place their company stamp on the document?

strictly speaking you are unlikely to be required to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or qualified solicitor will suffice regardless of whether they are based in Radford