As a FTB what is the most important advice you can give me about purchase conveyancing in Saltash?

You may not hear this from too many lawyers but conveyancing in Saltash and elsewhere in Cornwall is an adversarial process. Put another way, when it comes to conveyancing there is plenty of opportunity for friction between you and other parties involved in the ownership transfer. For example, the seller, property agent and sometimes a lender. Choosing a solicitor for your conveyancing in Saltash an important selection as your conveyancer is your adviser, and is the ONE person in the legal process whose responsibility is to protect your legal interests and to protect you.

Sometimes a potential adversary may try and persuade you that it is in your interests to do things their way. For instance, the property agent may claim to be assisting by claiming that your lawyer is dragging his heels. Or your mortgage broker may advise you to do something that is contrary to your solicitors recommendation. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.

I had intended to instruct a property lawyer in Saltash for our home move. Our broker informed us that our bank Virgin Money won't deal with them. Surely this is unfair competition?

A lender will direct that an approved conveyancer act for it. Borrowers are liable to meet the cost of this. Please make use of our tool to get a quote from a solicitor to conduct conveyancing in Saltash on the Virgin Money member panel.

My wife and I have a semi-detached Edwardian property in Saltash. Conveyancing practitioner acted for me and Alliance & Leicester . I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold under the matching property. I thought I was buying a freehold how can I check?

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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Saltash and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the situation with your conveyancing solicitor who conducted the conveyancing.

I've recently found out that there is a flying freehold issue on a property I have offered on two weeks back in what should have been a straight forward, chain free conveyancing. Saltash is the location of the property. Is there any advice you can give?

Flying freeholds in Saltash are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Saltash you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Saltash may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

I am looking into buying my first house which is in Saltash and I am already nervous. I couldn't find anything specific about Saltash. Conveyancing will be needed in due course but do you know about the Saltash area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Saltash. In the meantime here are some basic statistics that we found