My husband and I are approaching an exchange on a property in Elmswell and my parents have transferred the exchange deposit to my conveyancer. I am now advised that as the deposit has been received from someone other than me my solicitor needs to make a notification to my mortgage company. Apparently, in also acting for the bank he must advise them that the balance of the purchase price is not just from me. I disclosed to the bank about my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?

Your conveyancing practitioner is obliged to clarify with the bank to make sure that they are aware that the balance of the purchase price is not from your own resources. The solicitor can only report this to your lender if you agree, failing which, your lawyer must cease to continue acting.

Have just purchased a probate house at auction in Elmswell. Conveyancing is necessary. What happens now?

Given that you have now legally bound yourself to purchase you will need to appoint a conveyancing solicitor quickly as you are facing a pending a drop dead date to complete the deal. Every auction property will ordinarily have a bespoke auction pack. This will likely include the copy title deeds, local authority and drainage searches. If you have purchased leasehold property the conveyancing papers may contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation pertinent to a leasehold property. You need to hand this to the lawyer working for you at the earliest opportunity. Do make sure that that you have the requisite funding in order to complete on the date specified in the contract.

This question may be naive but I am wet behind the ears as FTB of a ground floor flat in Elmswell. Do I pick up the keys to the house on the completion date from my solicitor? If so, I will find a High Street conveyancing solicitor in Elmswell?

On the day of completion you will not be required to go to the conveyancers office in Elmswell. Conveyancing lawyers for you will arrange to send the purchase money to the seller's conveyancers, and once they have received this, you should be invited to receive the keys from the selling Agents and move into your new home. Usually this occurs between 1 and 3pm.

After much negotiation I have agreed a price on an apartment in Elmswell. My financial adviser pressured me to appoint their lawyer. I paid an upfront payment of £150. Shortly after, the solicitor contacted me to say that they were not on the Barclays conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Barclays panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

I understand that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when acquiring a house in Elmswell? or I am told that there is historic law that means some owners of property living in a parish church boundary may be liable to contribute towards maintenance towards the chancel in proximity to the church. Is this applicable for conveyancing in Elmswell?

Unless a prior acquisition of the property took place after 12 October 2013 you could expect lawyers delivering conveyancing in Elmswell to continue to recommend a chancel search and or chancel repair liability insurance.

The estate agent has sent us the confirmation of our purchase of a new build flat in Elmswell. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below are examples of a few leasehold new build questions that you can expect your new-build leasehold conveyancing in Elmswell

The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Forfeiture - bankruptcy or liquidation must not apply under this provision.

I today plan to offer on a house that seems to be perfect, at a great figure which is making it more attractive. I have since found out that it's a leasehold as opposed to freehold. I would have thought that there are issues buying a leasehold house in Elmswell. Conveyancing lawyers have not yet been appointed. Will my lawyers set out the implications of buying a leasehold house in Elmswell ?

Most houses in Elmswell are freehold rather than leasehold. This is one of the situations where having a local conveyancer who is familiar with the area who can help the conveyancing process. It is clear that you are purchasing in Elmswell in which case you should be looking for a Elmswell conveyancing solicitor and check that they are used to transacting on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a tenant you will not be at liberty to do whatever you want to the property. The lease comes with conditions for example requiring the landlord’spermission to conduct alterations. It may be necessary to pay a service charge towards the upkeep of the communal areas where the house is located on an estate. Your solicitor will advise you fully on all the issues.

Elmswell Leasehold Conveyancing - A selection of Questions you should consider Prior to buying

Generally speaking the cost for major works are not built into the service charges, although there some managing agents in Elmswell ask leasehold owners to contribute towards a reserve fund created for the specific intention of building a fund for larger works. What is the yearly maintenance fee and ground rent? You should want to discover as much as possible about the managing agents as they will affect your use and enjoyment of the property. Being a leasehold owner you are frequently at the mercy of the managing agents both financially and when it comes to every day matters such as the upkeep of the common parts. Don't be shy to ask prospective neighbours whether they are happy with their management. On a final note, find out the dates that the maintenance charges are due to the managing agents and specifically how they are spending the funds.