Do I have to visit the offices of the solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in West Bridgford so that I can pop in to their offices if required.

As opposed to 12 years ago, almost all mortgage companies no longer need their conveyancing panel solicitor to witness the borrowers signature. It will still be necessary for you to hand over identification documents and there are still distinct advantages to instructing a local practitioner, in your case a conveyancing solicitor in West Bridgford.

We have agreed to purchase a house in West Bridgford. A rare aspect is that the roof has a solar panel. HSBC have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

As you are obtaining a mortgage with HSBC your lawyer must check the conveyancing instructions set out in Section two of UK Finance Lenders’ Handbook for HSBC. The CML Handbook stipulates minimum provisions for solar panel roof-space leases, and property lawyers are required to report to HSBC where a lease fails to comply with these conditions. The specifications relate to the installation of panels on properties countrywide and is not limited to West Bridgford.

Completion of my remortgage has taken place for my property in West Bridgford. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

My offer was accepted on an apartment in West Bridgford on 14/3/2024, valuation was booked 4 days after, received a clean bill of health. Conveyancer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Santander and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Santander conveyancing panel. Are Santander entitled to hold back the Mortgage pending the lawyer being on the approved list?

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.

I am buying a new build flat in West Bridgford. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Set out below are examples of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in West Bridgford

If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. There must be mutual enforceability of lessee’s covenants. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents.

I opted to have a survey carried out on a house in West Bridgford prior to instructing solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor advised that some mortgage companies will not issue a mortgage on a flying freehold premises.

It depends who your proposed lender is. Lloyds has different instructions from Halifax. Should you wish to telephone us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in West Bridgford. Conveyancing may be slightly more expensive based on your lender's requirements.

I need to find a conveyancing solicitor for my conveyancing in West Bridgford. I happened to stumble upon a web site which looks to be the perfect solution If there is a chance to get all this stuff completed via web that would be ideal. Should I be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?