Forgive me if this question is silly but I am new to the house moving as FTB of a two bedroom flat in Tidworth. Do I collect the keys to the premises on the completion date from my solicitor? If so, I will use a High Street conveyancing solicitor in Tidworth?

On the day of completion you will not be required to go to the conveyancers office in Tidworth. Your solicitors will transfer the completion advance to the seller's solicitors, and once they have received this, you should be invited to receive the keys from the Estate Agents and start moving into the property. This tends to happen early afternoon.

I have been told by my lawyer that chancel insurance is necessary on my purchase. What is the level of cover for Tidworth conveyancing?

The right level of chancel indemnity insurance should be dictated by who your lender. It would differ for example between Santander and Virgin Money. Conveyancing solicitors as opposed to members of the public take out such policies.

I am the sole recipient of my late mum's estate and I have everything in my name alone, including the my former home in Tidworth. Conveyancing formalities meant that the Land Registry date was in January. I now wish to sell up. I understand that there is a Mortgage Lenders six month 'rule', which means that my property ownership will be treated the same way as though I had purchased the property in January. Will no one buy the property for half a year?

The Council of Mortgage Lenders’ handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be caught by that. How practical a view banks take of it, depend on the mortgage company as this clause is primarily there to identify subsales or the quick reselling of property.

I have been told that property searches are a common cause of stalling in Tidworth house deals. Is there any truth in this?

The Council of Property Search Organisations (CoPSO) published findings of research by MoveWithUs that conveyancing searches do not figure within the common causes of hindrances during the legal transfer of property. Local searches are unlikely to feature in any delay in conveyancing in Tidworth.

I've recently found out that there is a flying freehold element on a property I put an offer in two weeks back in what was supposed to be a simple, no chain conveyancing. Tidworth is where the house is located. What do you suggest?

Flying freeholds in Tidworth are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Tidworth you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Tidworth may determine 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.

Is it simple use the search app to choose a conveyancing lawyer in Tidworth on the authorised to act for my bank?

Step one is to pick a lender such as Santander, Leeds Building Society or Aldermore then specify your preferred area such as Tidworth. Conveyancing firms in Tidworth and across England and Wales should be listed.

I am a negotiator for a reputable estate agency in Tidworth where we have witnessed a few leasehold sales put at risk as a result of short leases. I have been given inconsistent advice from local Tidworth conveyancing firms. Please can you shed some light as to whether the owner of a flat can start the lease extension formalities for the buyer?

Provided that the seller has owned the lease for at least 2 years it is possible, to serve a Section 42 notice to kick-start the lease extension process and assign the benefit of the notice to the purchaser. The benefit of this is that the buyer need not have to wait 2 years to extend their lease. Both sets of lawyers will agree to form of assignment. The assignment needs to be completed prior to, or at the same time as completion of the sale.

Alternatively, it may be possible to agree the lease extension with the freeholder either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the buyer.

Leasehold Conveyancing in Tidworth - Examples of Queries Prior to Purchasing

If a Tidworth lease has no more than eighty years it will impact the salability of the property. It is worth checking with your bank that they are happy with remaining years on the lease. Leases with fewer than 80 years remaining means that you will almost definitely need a lease extension sooner rather than later and it is worth finding out what this would cost. Remember, in most cases you would need to own the property for 24 months in order to be entitled to exercise a lease extension. The best form of lease arrangement is a share of the freehold. In this scenario the tenants enjoy being in charge if their destiny and notwithstanding that a managing agent is frequently employed if it is bigger than a house conversion, the managing agent retained by the leaseholders. You should want to discover as much as you can about the managing agents as they will impact your use and enjoyment of the property. As the owner of a leasehold property you will be at the mercy of the managing agents from a financial perspective and when it comes to every day issues such as the upkeep of the common parts. Don't be shy to ask other tenants if they are happy with their management. Finally, be sure you discover the dates that you are obliged pay the service charge to the managing agents and precisely what it includes.