I own a freehold premises in Carbis Bay yet invoiced for rent, why is this and what is this?

It is rare for properties in Carbis Bay and has limited impact for conveyancing in Carbis Bay but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the generation of new rentcharges post 1977.

Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence after 2037 will be dispensed with completely.

My husband and I decided to purchase a newly converted apartment in Carbis Bay with a loan from Godiva Mortgages Ltd.We would like to retain our Carbis Bay conveyancing practitioner but Godiva Mortgages Ltd informed us she’s not on their "panel". we are left little option but to use a Godiva Mortgages Ltd panel lawyer or keep our local solicitor and pay for one of their panel ones to act for them. We feel as though this is unjust; is there anything we can do?

Unfortunately,no. The home loan issued to you is subject to its various provisions, one of which will be that conveyancers must be on the Godiva Mortgages Ltd solicitor panel. in the past, most mortgage companies had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Godiva Mortgages Ltd

I have been told that property searches are the main reason for hinderance in Carbis Bay conveyancing transactions. Is this right?

The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not feature amongst the top 10 causes of delays in the conveyancing process. Searches are unlikely to be the root cause of holding up conveyancing in Carbis Bay.

I used Wolstenholmes several years ago for my conveyancing in Carbis Bay. Now, I need my files but the law firm has closed. What do I do?

You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Carbis Bay of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

I need to appoint a conveyancing solicitor for leasehold conveyancing in Carbis Bay. I happened to chance upon a web site which appears to be the ideal answer If it is possible to get all formalities done via web that would be preferable. Should I be concerned? What are the potential pitfalls?

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?