I am buying a property in Virginia Water. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Co-operative be concerned?

As your lender is Co-operative your lawyer must follow the formal instructions set out in Part two of UK Finance Lenders’ Handbook for Co-operative. The Council of Mortgage Lenders’ Handbook sets out minimum provisions for solar panel roof-space leases, and conveyancing practitioners are required to report to Co-operative where a lease fails to comply with these specifications. The requirements relate to the installation of panels on properties countrywide and is not isolated to Virginia Water.

We expect to receive a AIP from Yorkshire BS this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Virginia Water solicitors on the Yorkshire BS conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Virginia Water solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.

Clydesdale have agreed my mortgage in principle, my offer on a apartment in Virginia Water has been accepted, what are the next steps?

Your property agent will need to know who your solicitors are (be sure the conveyancing practitioners are on the bank’s panel). Telephone Clydesdale or the broker and finish off any relevant documentation. Clydesdale will instruct a valuer who will get in touch with the estate agent or owners to book an appointment. Once conducted (assuming no problems) it takes approximately a week to receive the mortgage offer. Clydesdale will send the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Virginia Water.

I know that there are debates on Chancel Insurance on online forums. Do I need this when acquiring a property in Virginia Water? or Apparently there is a law dating back centuries that could mean that homeowners residing in a parish church boundary may be liable to contribute towards maintenance to the chancel within the church. Is this appropriate for conveyancing in Virginia Water?

Unless a previous purchase of the house completed after 12 October 2013 you may expect solicitors carrying out conveyancing in Virginia Water to remain recommending a chancel search and or insurance against a claim.

I have been on the look out for a ground for flat up to £245,000 and identified one close by in Virginia Water I like with open areas and railway links nearby, the downside is that it only has 49 remaining years left on the lease. There is not much else in Virginia Water suitable, so just wondered if I would be making a mistake buying a lease with such few years left?

Should you need a mortgage the remaining unexpired lease term will be an issue. Reduce the price by the expected lease extension will cost if not already taken into account. If the current owner has owned the property for at least 2 years you may request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer about this matter.

How can the Landlord & Tenant Act 1954 affect my commercial property in Virginia Water and how can your lawyers assist?

The particular law that you refer to affords security of tenure to commercial tenants, giving them the dueness to apply to court for a new tenancy and continue in occupation when the lease comes to an end. There are limited grounds that a landlord can refrain from granting a lease renewal and the rules are complex. We are happy to direct you to commercial conveyancing firms who use the act for protection and assist with commercial conveyancing in Virginia Water

My lender have just issued us with a mortgage offer. We are using a long established conveyancer in Virginia Water yesterday. This morning, our financial adviser phoned to advise us that the mortgage company said that we cannot use our solicitor as they aren't on their panel. As novices, we had no idea that the mortgage company had a say Is this legal?

You are permitted to choose any conveyancing solicitor you want to appoint including the said conveyancer in Virginia Water however if they are not on the your lender's approved list you must incur an extra fee so the mortgage company can instruct their own lawyers. On occasion it is conceivable that your preferred conveyancing firm to get included on to the mortgage company list of approved firms. You can use online search facilities including lenderpanel.com to find a conveyancing solcitor in Virginia Water on the bank panel. You can go into your high street mortgage company branch in Virginia Water. They can recommend conveyancing solicitors in Virginia Water on the approved list.