I am need of leasehold conveyancing for an apartment in a relatively new development (seven years built) in Catton. The vast majority the appartments have already been disposed of. Do I need carry out the conveyancing searches as part of conveyancing in Catton?

A big part of the Catton legal transfer of property is the conveyancing searches. There are numerous search providers conducting Catton conveyancing searches, as well direct from the local authority. These are known collectively as personal search organisation and they produce, not surprisingly, personal searches. Nevertheless, all Local Authority Search conveyancing products have one thing in common - they must secure their information from the local authority.

We previously appointed conveyancing lawyers based in Catton on the solicitor panel. They are now charging me a further fee for handling the mortgage. Is this a supplemental conveyancing fee set by ?

Unfortunately, so long as it is in their Terms of Engagement or estimate then yes your can levy a fee for this. The charge is not set by but by your Catton . Plenty of firms on the panel will charge an ‘acting for lender’ fee and others do not.

I have paid off my mortgage with . I assume I don't need a Catton on the panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your 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 mortgage from the register. , 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 has sent the Land Registry the discharge electronically, and
3. has instructed the Land Registry to do so

I currently have a mortgage with for my property in Catton. Conveyancing was finalised months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform ?

Your original mortgage agreement with will provide that you need their approval before letting out your property as this is likely to be a breach of ’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact directly. You need not do this via a conveyancing panel solicitor.

I own a renovated Victorian property in Catton. Conveyancing lawyer acted for me and . I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?

You should 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 Catton and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with your conveyancing practitioner who conducted the conveyancing.

My husband and I are a fortnight into a freehold purchase having been directed to a firm by the high street agent to perform conveyancing in Catton. I am not happy. Could you help me find new solicitors?

A solicitor would need to be really poor to suggest replacing them. Has your mortgage offer been issued? If so you will need to make them aware of the new solicitor and ensure the loan are re-sent. The solicitor ideally needs to be on the mortgage company panel to avoid supplemental charges and frustration. That should be your starting point. The find a solicitor tool should assist you in finding a lender approved lawyer for your home move in Catton

My wife and I are acquiring a ground floor flat in Catton. When we first instructed , they told us that they were on all mainstream lender panels. The financial adviser emailed today to say that they are not on the approved list. Were it to be true, what should we do? Do we just find a new that is on their panel or should we cover the costs for separate representation, with selecting their own preferred .

When buying a property with the benefit of a mortgage it is standard for the buyer’s solicitors to also act for the mortgage company. In order to act for a bank or building society a has to be on that lender's conveyancing panel. An application has to be made by the to the lender to become a member of the lender's panel and there are increasingly strict criteria which the has to fulfill. Some mortgage companies now insist their panel firms to be part of the Law Society’s Conveyancing Quality Scheme. Your should contact to discover if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on 's conveyancing panel as you are at liberty to use your preferred Catton lawyers, in which case it will likely add costs, and it will likely delay the transaction as you are adding another into the equation.