Forgive me if this question is silly but I am unexperienced as a first time buyer of a ground floor flat in Windlesham. Do I collect the keys to the house on the completion date from my lawyer? If this is the case, I will instruct a High Street conveyancing solicitor in Windlesham?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will electronically transfer the purchase money to the owner’s lawyers, and once they have received this, you should be able to collect the keys from the selling Agents and move into your new home. This tends to happen between 1 and 3pm.

Are all Windlesham Conveyancing Quality Solicitors on the Nationwide conveyancing list of approved practices?

It is true that some lenders now use the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to join their approved list of firms.

I had a mortgage agreed in principle with Kent Reliance. Windlesham conveyancing solicitors have been selected. How long does it take for Kent Reliance to issue the offer to the lawyer?

Some lenders take longer than others. Have Kent Reliance done the valuation? Have you advised Kent Reliance as to your lawyers' details and checked that your lawyers are on the Kent Reliance conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

3 months have gone by since my purchase conveyancing in Windlesham concluded. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I'm buying my first flat in Windlesham with a loan from Alliance & Leicester . The developers would not reduce the amount so I negotiated 6k of additionals instead. The estate agent told me not reveal to my solicitor about this deal as it will affect my mortgage with Alliance & Leicester . Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Due to the encouragement of my in-laws I had a survey completed on a house in Windlesham in advance of retaining lawyers. I have been advised that there is a flying freehold aspect to the property. The surveyor has said that some banks may refuse to give a loan on such a property.

It depends who your proposed lender is. Santander has different instructions from Nationwide. Should you wish to telephone us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Windlesham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Windlesham to see if the conveyancing will be more expensive.

Expecting to complete next month on a ground floor flat in Windlesham. Conveyancing lawyers have said that they are sending me a report next week. Are there areas in the report that I should be focusing on?

The report on title for your leasehold conveyancing in Windlesham should include some of the following:

The landlord’s rights to access the flat. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided. Alterations to the premises Will you be prohibited or prevented from having pets in the property? Responsibility to repair and maintain the main walls and foundations. It is important for you to know who is duty bound to repair and maintenance of every part of the building Does the lease require carpeting throughout thus preventing wood flooring?

Windlesham Leasehold Conveyancing - Sample of Questions you should consider Prior to Purchasing

Be sure to find out if there are any onerous restrictions in the lease. For instance it is fairly common in Windlesham leases that pets are not permitted in certain buildings in Windlesham. If you like the flatin Windlesham yet your cat can’t move with you then you have a very hard compromise. Does the lease include onerous restrictions? How many of the leaseholders are in arrears for their maintenance charge payments?