My solicitor has identified a defect with the lease for the flat we are purchasing in Sewardstonebury. The seller’s lawyers have offered title insurance as a solution. We are happy with insurance and will pay for it. Our lawyer has advised that he must be satisfied that the bank is happy with this solution. Are we the client or is the bank?

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

I am purchasing a flat and need a conveyancing solicitor in Sewardstonebury who is on the Alliance & Leicester conveyancing. Could you point me in the right direction as regards a conveyancing firm?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Alliance & Leicester in certain locations such as Sewardstonebury. We dont recommend any particular firm.

Forgive me if this question is silly but I am unseasoned as FTB of a garden flat in Sewardstonebury. Do I receive the keys to the property on completion from my lawyer? If this is the case, I will instruct a local conveyancing solicitor in Sewardstonebury?

On the day of completion you will not be required to go to the conveyancers office in Sewardstonebury. Conveyancing lawyers for you will transfer the completion advance to the vendor’s lawyers, and once they have received this, you will be able to collect the keys from the property Agents and start moving into the property. Usually this happens early afternoon.

My wife and I buying a 3 bedroom semi in Sewardstonebury. We would like to carry out a loft conversion at the property.Will legal work on the property include investigations to determine if these alterations were previously refused?

Your conveyancer should check the deeds as conveyancing in Sewardstonebury will sometimes reveal restrictions in the title deeds which prevent certain works or necessitated the permission of another owner. Many works need local authority planning permissions and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.

After shopping around on the internet I have found a Sewardstonebury solicitor having made sure that they are on the Coventry BS conveyancing panel. Does my lawyer arrange the survey of the property?

Coventry BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Coventry BS 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. You may wish to consider appointing your own Sewardstonebury surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

I've recently found out that there is a flying freehold issue on a property I put an offer in a fortnight ago in what should have been a simple, chain free conveyancing. Sewardstonebury is the location of the property. Is there any advice you can impart?

Flying freeholds in Sewardstonebury are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Sewardstonebury you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Sewardstonebury 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 premises.

I pay a maintenance contribution for my property in Sewardstonebury. Due to redundancy and personal issues I slipped behind with payments. The freeholders agreed a clearance schedule but there is still in the region of £1750 outstanding at the current time.

I am under pressure to dispose of the property and I am nervous that this will hold me back if I have to pay off the arrears now. Do I have to settle before - is this viable?

The lawyer undertaking your Sewardstonebury sale should be in a position to negotiate with the appropriate parties, with a new to seeing if they would accept settlement out of the completion monies. Here is indicative of why it is sensible to appoint a conveyancer in Sewardstonebury as they may well enjoy an established relationship with the parties.