Me and my brother purchased a renovated Victorian property in Banstead. Conveyancing lawyer acted for me and The Royal Bank of Scotland. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold under the exact same property. I thought I was buying a freehold how can I check?

You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Banstead and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with the conveyancing solicitor who conducted the conveyancing.

I'm buying my first flat in Banstead with the aid of help to buy. The developers would not budge the amount so I negotiated 6k of additionals instead. The estate agent suggested that I not reveal to my lawyer about the side-deal as it would impact my loan with Coventry Building Society. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the developer 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.

I opted to have a survey completed on a property in Banstead in advance of retaining conveyancers. I have been advised that there is a flying freehold element to the house. The surveyor has said that some lenders will refuse to grant a mortgage on this type of home.

It varies from the lender to lender. Lloyds has different instructions for example to Birmingham Midshires. 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 assist as they are used to dealing with flying freeholds in Banstead. Conveyancing may be slightly more expensive based on your lender's requirements.

I am looking at a couple of maisonettes in Banstead which have in the region of forty five years left on the lease term. Do I need to be concerned?

A lease is a legal document that entitles you to use the property for a period of time. As the lease gets shorter the marketability of the lease reduces and results in it becoming more costly to extend the lease. This is why it is often a good idea to extend the lease term. More often than not it is difficulties arise selling premises with a short lease as mortgage companies may be reluctant to lend money on properties of this type. Lease extension can be a difficult process. We advise that you get professional help from a conveyancer and surveyor with experience in this field.

I have tried to negotiate informally with with my landlord to extend my lease without any joy. Can the Leasehold Valuation Tribunal decide on such matters? Can you recommend a Banstead conveyancing firm to help?

Absolutely. We are happy to put you in touch with a Banstead conveyancing firm who can help.

An example of a Lease Extension case for a Banstead flat is 33 The Maisonettes Alberta Avenue in June 2014. the Tribunal decided that the premium payable for the grant of a new lease be the sum of £20,680 (Twenty Thousand six hundred and eighty pounds). This case related to 1 flat. The unexpired residue of the current lease was 60.43 years.

I need to find a mortgage company panel solicitor in Banstead. Can you assist?

It is not clear why you need a Banstead panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to the lender to find out which solicitors in Banstead are on their panel . If you do find such a firm in Banstead not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site