My lawyer has identified a a problem with the lease for the property we are buying in Bracknell. The seller’s lawyers have put forward title insurance as a solution. We are happy with insurance and will cover the costs. Our conveyancer has advised that he must check that the mortgage company is happy with this solution. Who is the client here, us or the lender?

Even though you have a mortgage offer from the bank does not mean to say that the property will meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the bank are the client. These conveyancing instructions must be adhered to.

When can the exchange of contracts take place for residential conveyancing in Bracknell and am I required to attend the lawyers branch?

Where you are local to one of the conveyancing solicitors in Bracknell you are invited in to sign contracts. However, the law practices we recommend supply a countrywide conveyancing service and provide as equally diligent and professional a job for you when communicating with you by post or email. The signing of the purchase agreement is not the critical part. A signed contract simply enables the solicitor to exchange contracts at the appropriate time, which will usually be very shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where a lengthy "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Bracknell)to be in the office available at the end of the phone to exchange contracts.

The estate agent has sent us the confirmation of our purchase of a new build flat in Bracknell. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Set out below is a sample of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Bracknell

There must be mutual enforceability of lessee’s covenants. Please supply a car parking plan. 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. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.

I need to retain a conveyancing solicitor for remortgage conveyancing in Bracknell. I happened to chance upon a site which seems to have the perfect answer If there is a chance to get all formalities completed via phone that would be preferable. Should I be wary? 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?

At last I have had an offer on an apartment in Bracknell accepted, the owner does nevertheless have a dependent purchase. The sellers have put an offer on on an apartment, although it’s not yet tied up, and has viewings of other apartments in the pipeline. I have instructed a local conveyancing solicitor in Bracknell. What should be my next step? When do I get the mortgage application with Yorkshire BS started with Yorkshire BS?

It is standard to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of £1k, then survey, Bracknell conveyancing search charges, etc). The first course of action is to check that your conveyancer is on the Yorkshire BS approved list. As to the subsequent phase this very much dictated by the circumstances of your case, desire for this property and on the state of the market. In a buoyant market many home buyers will apply for a home loan with Yorkshire BS and pay for the survey and only if it was satisfactory would they pay their conveyancer to move forward with searches.