Me and my wife are acquiring our first property. The property lawyer has calledto check if we would like to order extra conveyancing searches. We are really unsure what's needed for conveyancing in Bourne End

The number and type of Bourne End conveyancing searches depends entirely on the property, the location, the probability of any of these risks, your knowledge of the region and risks, your overall approach to risk. What is important is that you adequately appreciate what information each search could provide. Then you can make a decision if you personally think you need that search. Where you are uncertain, ask your conveyancer to guide you.

We are expecting a mortgage offer soon. The lender mentioned the mortgage came with free conveyancing. Is the implication that I have to use their panel lawyer as I would much rather instruct a Bourne End based conveyancing firm?

Do check but the the probability is that allocate you one of their panel conveyancers should you accept the "fee-free" deal. Contact the lender and determine if they allow a monetary alternative. In the past a few lenders offered a £250 cashback as an alternative in which case that money can go towards the cost for your conveyancing solicitor near Bourne End.

I am buying a terrace house in Bourne End. We would like to an extension at the rear at the property.Will the conveyancing process include checks to see if these works are allowed?

Your solicitor will check the deeds as conveyancing in Bourne End can sometimes identify restrictions in the title deeds which prohibit certain changes or require the permission of a 3rd party. Some additions need local authority planning permissions and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these issues with a surveyor before you commit yourself to a purchase.

The formalities of my purchase has taken place for my property in Bourne End. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are resolved 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.

Our sealed bid on a property in Bourne End has been agreed to, but there is a chain. The vendors have offered on a property, however it’s not yet tied up, and are looking at other apartments in the pipeline. I have selected a high street conveyancing solicitor in Bourne End. What do I do now? When should I get the mortgage application with Clydesdale started?

It is normal to have anxieties 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 survey, Bourne End conveyancing search costs, etc). First, you must ensure that your conveyancing practitioner is on the Clydesdale conveyancing panel. Regarding the subsequent steps this very much depends on the circumstances of your transaction, attraction to this property and on the state of the market. During a rising market some purchasers will apply for the mortgage with Clydesdale and arrange for the valuation and only if it comes back ok would they ask their property lawyer to press on with the conveyancing in Bourne End.

I have todayfound out that Wolstenholmes have been shut down. They conducted my conveyancing in Bourne End for a purchase of a leasehold apartment 12 months ago. How can I be sure that my home is registered correctly in the name of the previous owner?

The easiest way to see if the premises is registered to you, 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 Bourne End conveyancing specialists.

Having had my offer accepted I require leasehold conveyancing in Bourne End. Before I set the wheels in motion I would like to find out the number of years remaining on the lease.

Assuming the lease is recorded at the land registry - and 99.9% are in Bourne End - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

Bourne End Conveyancing for Leasehold Flats - A selection of Questions you should consider Prior to buying

The answer will be helpful as a) areas could cause problems in the block as the common areas may start to deteriorate where maintenance remain unpaid b) if the leaseholders have a dispute with the running of the building you will want to have complete disclosure What is the length of the lease?