My wife and I are acquiring a ground floor flat in Caterham. My Conveyancer is not listed on the mortgage company conveyancing panel. Is it possible for me to retain my Caterham conveyancing solicitor even though they are excluded from the mortgage company approved list?

One must have a conveyancing practitioner to deal with the legal work required when you take out a loan to buy your property. The property lawyer will carry out all the necessary due diligence on the property, make sure that you’re properly registered as the owner and ensure that all the required mortgage paperwork is in place. One can select a Caterham property lawyer of your choosing. Nevertheless, where the conveyancer appointed is not a member of the bank approved list additional fees will be incurred as separate legal representation will be need by the bank. Bank panel applications may be submitted, so where your conveyancer has not previously applied for membership they should take the chance to apply.

My house in Caterham is up for sale and I have a buyer. Does the solicitor need to be required to be on the Coventry BS conveyancing panel in order to deal with paying off my mortgage?

Ordinarily, even if your lawyer is not on the Coventry BS conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.

What can a local search reveal about the house I am buying in Caterham?

Caterham conveyancing often commences with the ordering local authority searches directly from your local Authority or through a personal search organisations for instance Searches UK The local search plays an important part in many a Caterham conveyancing purchase; that is if you wish to avoid any nasty once you have moved into your new home. The search should reveal data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.

My father has encouraged me to instruct his lawyers for conveyancing in Caterham. Should I use them?

There are no two ways about it it’s preferable to select a conveyancing practitioner is to get guidance from friends or relatives who have experience in using the solicitor that you are are thinking of instructing.

I am in need of some leasehold conveyancing in Caterham. Before diving in I would like to find out the number of years remaining on the lease.

Assuming the lease is registered - and 99.9% are in Caterham - then the leasehold title will always include the basic details 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.

I inherited a first floor flat in Caterham. Given that I can not reach agreement with the freeholder, can the Leasehold valuation Tribunal make a decision on the sum due for the purchase of the freehold?

if there is a missing freeholder or where there is dispute about what the lease extension should cost, under the Leasehold Reform, Housing and Urban Development Act 1993 it is possible to make an application to the Leasehold Valuation Tribunal to calculate the price payable.

An example of a Freehold Enfranchisement decision for a Caterham property is 223 Brighton Road in September 2013. The premium payable for the acquisition freehold of the properties should be £10,934 (Ten thousand,nine hundred and thirty four pounds) This case related to 3 flats. The unexpired lease term was 75 years.