Much to our surprise we have been notified by our lender that my Sneyd Green the law firm I have appointed is not on the mortgage company Solicitor panel. How can I check?

The first thing you need to do is to call your Sneyd Green conveyancer. You lawyer should advise you of the situation. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your bank.

I purchased a freehold house in Sneyd Green but still charged rent, why is this and what is this?

It’s unusual for properties in Sneyd Green and has limited impact for conveyancing in Sneyd Green but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the creation of fresh rentcharges from 1977 onwards.

Old rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 will be extinguished.

I note that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when buying a property in Sneyd Green? or Apparently there is a law dating back centuries that could mean that owners of property residing in a parish church boundary may be liable to contribute towards maintenance towards the chancel in proximity to the church. Is this relevant for conveyancing in Sneyd Green?

Unless a prior acquisition of the premises took place after 12 October 2013 you could take it that lawyers delivering conveyancing in Sneyd Green to remain encouraging a chancel search and or insurance against a claim.

I opted to have a survey carried out on a property in Sneyd Green prior to instructing conveyancers. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some banks may refuse to issue a mortgage on such a property.

It depends who your proposed lender is. Bank of Scotland has different instructions from Halifax. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Sneyd Green. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Sneyd Green to see if the conveyancing will be more expensive.

Why am I unable to complete my conveyancing in Sneyd Green on May bank holiday?

This is due to the fact that on completion the purchase price needs to be transferred electronically between the banks of the purchaser and seller's solicitor and at present this can only happen on a working day. It is not possible to complete on a weekend either.