The formalities of my remortgage has taken place for my property in Barkingside. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?

All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

Planning on purchasing a apartment in Barkingside. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Coventry BS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Barkingside conveyancing practitioner is on the Coventry BS conveyancing panel.

Our offer on a semi in Barkingside has been agreed to, the owners do however have a connected purchase. The vendors have put an offer on a property, however it’s not yet tied up, and are looking at other properties booked. I have instructed a high street conveyancing solicitor in Barkingside. What should be my next step? When do I get the mortgage application with Clydesdale started?

It is normal to have concerns where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is in the region of £1k, then valuation, Barkingside conveyancing search fees, etc). The first course of action is to ensure that your solicitor is on the Clydesdale conveyancing panel. Regarding the subsequent steps this very much dictated by the specifics of your case, attraction to the property and on the state of the market. During a buoyant market the majority of purchasers will apply for a home loan with Clydesdale and arrange for the valuation and only if it was satisfactory would they ask their solicitor to move forward with searches.

How does conveyancing in Barkingside differ for newly converted properties?

Most buyers of new build residence in Barkingside come to us having been asked by the developer to exchange contracts and commit to the purchase even before the house is completed. This is because builders in Barkingside tend to purchase 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 conveyancing solicitors 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 accustomed to new build conveyancing in Barkingside or who has acted in the same development.

My uncle has recommend that I instruct his lawyers for conveyancing in Barkingside. Should I choose my own solicitor?

No doubt the ideal way to find a conveyancing solicitor is to seek referrals from friends or family who have actually experience in using the conveyancer that you are considering.

I have given up trying to reach an agreement for a lease extension in Barkingside. Can the Leasehold Valuation Tribunal adjudicate on premiums?

in cases where there is a missing landlord or if there is disagreement about the premium for a lease extension, under the relevant legislation you can apply to the Leasehold Valuation Tribunal to assess the sum to be paid.

An example of a Lease Extension case for a Barkingside property is 104 Coventry Road in July 2014. The Tribunal determined that the lease extension permium should be £22,896.15 This case affected 1 flat. The unexpired lease term was 60.29 years.

Are there frequently found problems that you witness in leases for Barkingside properties?

Leasehold conveyancing in Barkingside is not unique. All leases are unique and legal mistakes in the legal wording can sometimes mean that certain sections are missing. The following missing provisions could result in a defective lease:

Clauses dealing with recovering service charges for expenditure on the building or common parts. Insurance obligations

You will encounter a problem when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Nationwide Building Society, Norwich and Peterborough Building Society, and Clydesdale all have express requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease does not cover certain provisions they may refuse to grant the mortgage, obliging the buyer to pull out.

I was told by my mortgage company that their panel lawyers operate no move no fee basis for conveyancing in Barkingside. Our purchase fell through and now the conveyancers have requested search fees! They are stating that the fees are independent!

By promising "no move no fee" Barkingside conveyancing practices are foregoing their fees for any work done. We must stress this is not to be regarded as an insurance scheme. Disbursements aren’t covered – where the conveyancing practitioner have to pay money out to other people, for example Barkingside local search fees