My partner and I are buying a maisonette in Upton Upon Severn. My property lawyer is not listed on the bank approved list. Can I still continue with my Upton Upon Severn conveyancing solicitor notwithstanding that they are not on the bank list of approved lawyers?

You must have a property lawyer to complete the legal work required if you need a loan to buy your property. The property lawyer will conduct all the essential due diligence on the property, ensuring that you will be registered as proprietor and ensure that all the necessary mortgage paperwork is dealt with. You may appoint a Upton Upon Severn lawyer of your choosing. However, if the conveyancer appointed is not a member of the mortgage company conveyancing panel supplemental charges will be levied as separate legal representation will be required by them. Bank panel applications can be submitted, so where your solicitor has not in the past sought membership they should take the opportunity to apply.

We are due to complete on the purchase of a house in Upton Upon Severn but as a result of wreckage from the recent storms I have was able negotiate reparation from the seller in the sum of £3k by way of a reduction in the price. This was going to be dealt with as part of a side agreement but Yorkshire BS are not allowing this. Should they have been notified?

Any conveyancer that is on a Yorkshire BS approved list is duty bound to advise Yorkshire BS of any variations to the purchase price. If you were to refuse your lawyer to notify the reduction to Yorkshire BS then they would have to discontinue acting for you. In addition, Yorkshire BS and you would have to appoint a new lawyer for your conveyancing in Upton Upon Severn.

I own a freehold house in Upton Upon Severn but still pay rent, why is this and what is this?

It is rare for properties in Upton Upon Severn and has limited impact for conveyancing in Upton Upon Severn but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the establishment of new rentcharges from 1977 onwards.

Previous rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence post 2037 is to be dispensed with completely.

What does a local search reveal about the property my wife and I purchasing in Upton Upon Severn?

Upton Upon Severn conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search company such as Searches UK The local search is essential in every Upton Upon Severn conveyancing purchase; that is if you don’t want any unpleasant once you have moved into your property. The search will reveal data on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject headings.

I have recentlydiscovered that Action Conveyancing have been shut down. They carried out my conveyancing in Upton Upon Severn for a purchase of a leasehold apartment 10 months ago. How can I establish that the property is in my name in the name of the former proprietor?

The easiest way to see if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Upton Upon Severn conveyancing specialists.