I am not well enough to travel far from Helston. I would like to know the reason why all Helston lawyers are not on all lender panels?

Even though it may seem unfair for lenders to restrict who can represent them, from the public’s or lawyer’s standpoint, the other side of the coin is that lending institutions are increasingly anxious and consider it imperative to protect them from mortgage fraud. As a result of this concern banks have restricted their panel of approved conveyancing lawyers to a size that they are happy to control.

We are buying a property in Helston. I might seem paranoid but how we can trust a conveyancer? At some point we will need to put funds into their account. What is the protection we have from them run away with our monies?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

What is the difference between a licensed conveyancer and conveyancing solicitor in Helston

There are many registered licenced Conveyancers in Helston and Solicitor firms in Helston to choose from We would stress that both are supervised by regulatory bodies with both specialising in the legal work in transferring property. Both can conduct other property legal work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.

Last month we had a mortgage agreed in principle with Clydesdale. Helston conveyancing practitioners have been instructed. What is the average time that one could expect to receive a mortgage offer from Clydesdale?

Some lenders take longer than others. Have Clydesdale done the valuation? Have you advised Clydesdale as to your lawyers' details and checked that your lawyers are on the Clydesdale conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

How does conveyancing in Helston differ for newly converted properties?

Most buyers of new build premises in Helston approach us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is ready to move into. This is because builders in Helston usually acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Helston or who has acted in the same development.

Should I instruct a Helston conveyancing practitioner in close proximity to the house I am buying? We have a good friend who can conduct the conveyancing however his firm is located 300miles away.

The primary upside of using a high street Helston conveyancing practice is that you can visit the firm to sign documents, present your ID and pester them where appropriate. Having local Helston know how is a plus. That being said it's more important to get someone that will pull out all the stops for you. If other friends have used your friend and in the main were happy that must outweigh using an unknown Helston conveyancing solicitor solely due to them being round the corner.

I’m about to sell my garden apartment in Helston. Conveyancing has not commenced, however I have recently received a yearly service charge demand – what should I do?

Your conveyancing lawyer is likely to suggest that you should discharge the service charge as usual because all rents and service invoices should be apportioned on completion, so you will be reimbursed by the purchaser for the period running from after the completion date to the subsequent invoice date. Most managing agents will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

Helston Leasehold Conveyancing - Examples of Questions you should ask Prior to buying

How many of the leaseholders are in arrears for their service charge payments? The prefered form of lease structure is a share of the freehold. In this scenario the tenants have control and notwithstanding that a managing agent is usually employed if the building is larger than a house conversion, the managing agent employed by the leaseholders. Generally speaking the outlay for major works are not included within maintenance charges, albeit that some managing agents in Helston obliged tenants to contribute towards a sinking fund created for the specific purpose of building a fund for larger works.