I am considering applying for a Skipton mortgage for purchase of a newly converted (under development) in Carshalton Beeches with 60% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Skipton ?

There is nothing to stop you using your solicitor, but Skipton will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.

I'm the only recipient of my late grandmother’s estate with all property in now in my sole name, including the my former home in Carshalton Beeches. Conveyancing formalities meant that the Land Registry date was in January. I want to move. I understand that there is a Mortgage Lenders six month 'rule', meaning my property ownership could be regarded the same way as though I had purchased the house in January. Do I have to wait 6 months to sell?

The Council of Mortgage Lenders’ handbook obliges solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be affected by that. How practical a view mortgage companies take of it, depend on the bank as this clause is principally there to capture subsales or the quick reselling of properties.

Is there a list of Nationwide panel conveyancers in Carshalton Beeches on the Council of Mortgage Lender’s Website?

Unfortunately not yet. There is no such directory service on the Council of Mortgage Lenders or Building Society Association websites. Very few lending institutions make their panel listings viewable on the web. If you are in need of a Carshalton Beeches property lawyer on the Nationwide please make the most of our facility.

I have paid off my mortgage with Yorkshire BS. I assume I don't need a Carshalton Beeches solicitor on the Yorkshire BS panel to discharge the mortgage at the Land Registry. Please confirm.

If you have finished paying off your Yorkshire BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Yorkshire BS mortgage from the register. Yorkshire BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Yorkshire BS has sent the Land Registry the discharge electronically, and
3. Yorkshire BS has instructed the Land Registry to do so

I purchased a 4 bedroom Victorian property in Carshalton Beeches. Conveyancing lawyer represented me and Barclays Direct. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold with the matching property. I thought I was buying a freehold how can I check?

You need to review the Freehold register you have again and check the Charges Register for 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 Carshalton Beeches and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with the conveyancing practitioner who conducted the purchase.

Just had an offer accepted on a new build flat in Carshalton Beeches. Conveyancing is daunting 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 legal work.

Here are examples of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Carshalton Beeches

Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? 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. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Please supply evidence that the form of Lease proposed has been approved by the Land Registry.

I was recommended by two or three local estate agents in Carshalton Beeches to choose a property lawyer using your seach tool. What’s the financial upside for Estate Agents to promote your services rather than alternative conveyancing organisations?

We refuse to make any commission for sending work to this site. We thought it would be too underhand a fee because members of the public would think, ‘How come the agent getting a kickback? Why am I not receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.