My financial adviser has requested my Chadwell Heath solicitor’s panel reference for the Nationwide conveyancing panel. How do I discover this. I have called my local Chadwell Heath office but they have not responded to me.

Have you tried calling your Chadwell Heath property lawyer about this?. They retain a central record lender panel numbers.

The Chadwell Heath conveyancing firm handling our Chadwell Heath conveyancing has discovered an inconsistency when comparing the surveyor’s assumptions in the valuation survey and what is revealed within the legal papers for the property. My lawyer has advised that he must ensure that the bank is OK with this discrepancy and is still content to lend. Is my solicitor’s course or action right?

Your conveyancer must comply with the UK Finance Lenders’ Handbook provisions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

I am the single recipient of my late mum's will and I have everything in my name now, including the house in Chadwell Heath. The Chadwell Heath property was put into my name in March. I want to move. I understand that there is a CML 6 month 'rule', which means that my property ownership may be regarded the same way as though I had purchased the property in March. Do I have to wait 6 months to sell?

The Council of Mortgage Lenders’ handbook mandates 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 might be impacted by that. How sensible a view lenders take of it, depend on the bank as this obligation principally exists to capture subsales or the wholesaling and assigning of properties.

I have today made my last payment due on my mortgage with HSBC. I assume I don't need a Chadwell Heath solicitor on the HSBC panel to remove the mortgage at the Land Registry. Am I right?

If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where HSBC has sent the Land Registry the discharge electronically, and
3. HSBC has instructed the Land Registry to do so

I can not work out if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Chadwell Heath bank branch on a couple of occasions and was told it does not affect the mortgage offer and they will lend. My Chadwell Heath conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they will not lend based on their published requirements. Who do I believe?

Provided that the property lawyer is on the lender approved list, she or he must comply with the CML Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

Me and my brother have a semi-detached Georgian house in Chadwell Heath. Conveyancing lawyer represented me and Halifax. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold with the matching address. I thought I was buying a freehold how can I check?

You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Chadwell Heath and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with your conveyancing lawyer who conducted the work.

The property lawyers undertaking our conveyancing in Chadwell Heath has sent documents to review that reveal that the property is unregistered with epitome documents. How can it be that the property not registred at HM Land Regsitry?

Most property in Chadwell Heath is registered. An 'epitome' is basically a dossier of photocopies of documents affecting an unregistered title. Many Chadwell Heath conveyancing solicitors will be familiar with such matters but in the event that uncertainty reigns the usual proposition presently is for the vendor’s solicitor to deal with the registration formalities first and then deal with the transfer to the buyer - this will have a domino effect to cause a significant delay.