I have today made my last payment due on my mortgage with RBS. I assume I don't need a Rednal solicitor on the RBS panel to discharge the mortgage at the Land Registry. Please confirm.

If you have finished paying off your RBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the RBS mortgage from the register. RBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where RBS has sent the Land Registry the discharge electronically, and
3. RBS has instructed the Land Registry to do so

Intending to buy a apartment in Rednal. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Barclays conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Rednal conveyancing practitioner is on the Barclays conveyancing panel.

After what seems like an age I have had an offer on an apartment in Rednal accepted, the vendors do nevertheless have a dependent purchase. The owners have offered on on an apartment, however it’s not yet tied up, and have viewings of other properties booked. I have selected a nearby conveyancing solicitor in Rednal. What should be my next step? At what point do I apply for the mortgage with Clydesdale?

It is understandable to have concerns where there is a chain as you are unlikely to want to incur costs too early (mortgage application is approx £1k, then survey, Rednal conveyancing search charges, etc). First, you must check that your conveyancing practitioner is on the Clydesdale approved list. Regarding the subsequent phase this very much depends on the uniqueness of your case, attraction to the property and on the state of the market. During a rising market many home buyers would apply for the mortgage with Clydesdale and pay for the valuation and only if it comes back ok would they request their conveyancer to press on with searches.

Various online forums that I have frequented warn that are the number one reason for stalling in Rednal house deals. Is this right?

The Council of Property Search Organisations (CoPSO) published findings of research by MoveWithUs that conveyancing searches do not feature within the most frequent causes of delays during the legal transfer of property. Searches are not likely to be the root cause of holding up conveyancing in Rednal.

I used Stirling Law a few years ago for my conveyancing in Rednal. Now, I need the documents however the law firm is no longer operating. What do I do?

Do call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Rednal of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

About to purchase a new build apartment in Rednal. Conveyancing is daunting 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 conveyancing.

Set out below is a sample of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Rednal

There must be mutual enforceability of lessee’s covenants. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Please supply a car parking plan. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.

Is it simple use the search app to choose a conveyancing solicitor in Rednal on the authorised to act for my lender?

Step one is to pick a mortgage company such as Accord Mortgages Ltd, Coventry Building Society or Clydesdale then specify your location a common one being Rednal. Conveyancing firms in Rednal and beyond will then be listed.