My financial adviser says he needs my Southwell law firm’s panel member for the Nat West conveyancing panel. What is the best way to discover this. I have e-mailed my local Southwell branch but they have not got back to me yet.

Have you tried calling your Southwell conveyancing practitioner about this?. They should have a central record lender panel numbers.

We previously appointed conveyancing lawyers based in Southwell on the Kent Reliance solicitor panel. They have just billed me a supplemental charge for dealing with the Kent Reliance mortgage. Is this a supplemental conveyancing fee set by Kent Reliance?

Provided it is contained in their Terms and Conditions or estimate then yes your conveyancer is entitled to charge a fee for this. The fee is not dictated by Kent Reliance but by your Southwell conveyancer. Plenty of firms on the Kent Reliance panel will levy ’dealing with mortgage’ fee and others do not.

The mortgage over my property is with Nottingham for my property in Southwell. Conveyancing was finalised 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Nottingham?

Nottingham must be informed of your intention in advance of renting your property as this is likely to be a breach of Nottingham’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Nottingham directly. It should not be necessary to do this via a Nottingham conveyancing panel solicitor.

UBS have agreed my mortgage in principle, my offer on a house in Southwell has been accepted, what happens next?

Your property agent will need to be advised as to your property lawyer's details (ensure that the property lawyers are on the lender’s panel). Call up UBS or your broker and finish off any relevant paperwork. UBS will sellect a valuer who will get in touch with the selling agent or owners to arrange a time for the valuation to take place. Once carried out (assuming no problems) it takes about a fortnight to get a mortgage offer. UBS will issue the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Southwell.

I have been sourcing a conveyancing lawyer in Southwell for my house move. Is it possible to review a solicitor's record with the legal regulator?

One may see documented Solicitor Regulator Association (SRA) determinations resulting from investigations commenced on or after Jan 2008. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a solicitors history, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The SRA could monitor telephone calls for training requirements.

I am hoping to exchange soon on a leasehold property in Southwell. Conveyancing solicitors inform me that they report fully next week. What should I be looking out for?

The report on title for your leasehold conveyancing in Southwell should include some of the following:

You should have a good understanding of the building insurance provisions Ground rent - how much and what the invoice dates are, and also know whether this will change in the future Whether the lease restricts you from subletting the flat, or having a home office for business if lease has a provision for a slush fund for major repairs? What you can do if another tenant in the building breaches a clause of their lease?

Southwell Conveyancing for Leasehold Flats - Sample of Questions you should consider Prior to buying

On the whole the cost for major works tend not to be included within maintenance charges, although a few managing agents in Southwell obliged tenants to pay into a reserve fund and this is used to offset against major works. Plenty Southwell leasehold properties will have a service charge for maintenance of the building invoiced by the freeholder. Should you buy the flat you will have to pay this amount, usually periodically accross the year. This could vary from two or three hundred pounds to thousands of pounds for buildings with lifts and large communal grounds. In all probability there will be a ground rent to be met yearly, this is usually not a exorbitant amount, say around £50-£100 but you should to check as occasionally it can be many hundreds of pounds. The answer will be helpful as a) areas could result in problems for the block as the communal areas may start to deteriorate if services are not paid for b) if the leaseholders have a dispute with the managing agents you will want to have complete disclosure

What can I do to discover who is the owner of a property in Southwell?

As long as the property is recorded at HM Land Registry, and you have enough details of the location of the premises, you will be able to view details from the the Land Registry of the registered owner for a for less than a fiver.