My wife and I own a semi-detached Victorian house in Ceredigion. Conveyancing lawyer represented me and The Royal Bank of Scotland. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold under the matching address. I'd like to know for sure, how can I find out??

You should read 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 Ceredigion and other areas of 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 mortgage companies. You can also enquire as to the position with your conveyancing practitioner who conducted the purchase.

Due to the encouragement of my in-laws I had a survey completed on a house in Ceredigion prior to retaining conveyancers. I have been told that there is a flying freehold aspect to the house. Our surveyor has said that some lenders may refuse to issue a mortgage on such a property.

It depends who your proposed lender is. Bank of Scotland has different instructions from Halifax. Should you wish to telephone us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Ceredigion. Conveyancing may be slightly more expensive based on your lender's requirements.

What does commercial conveyancing in Ceredigion cover?

Ceredigion conveyancing for business premises incorporates a broad range of guidance, supplied by qualified solicitors, relating to business property. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.

I am using a search engine for the term conveyancing in Ceredigion it reveals numerous property lawyerslocally. With so much choice what is the best way to find the right property lawyer for the sale of my house?

The ideal way of finding the right conveyancer is through a personal referral, so ask friends and relatives who have acquired a property in Ceredigion or a local estate agent or mortgage broker. Charges for conveyancing in Ceredigion differ, so it's a good idea to secure at least four fee calculations from different solicitors. Be sure to obtain confirmation that the fees are fixed.

Can you offer any advice when it comes to choosing a Ceredigion conveyancing firm to carry out our lease extension conveyancing?

If you are instructing a solicitor for lease extension works (regardless if they are a Ceredigion conveyancing practice) it is essential that he or she should be familiar with the legislation and specialises in this area of work. We advise that you talk with two or three firms including non Ceredigion conveyancing practices prior to instructing a firm. Where the conveyancing practice is ALEP accredited then so much the better. The following questions might be useful:

Can they put you in touch with clients in Ceredigion who can give a testimonial? If the firm is not ALEP accredited then why not?

Ceredigion Leasehold Conveyancing - Sample of Questions you should ask Prior to Purchasing

How many of the leaseholders are in arrears for their maintenance charge payments? How is the lease structured? Make sure you find out if there are any onerous prohibitions in the lease. For instance it is fairly common in Ceredigion leases that pets are not permitted in in a block in Ceredigion. If you like the propertyin Ceredigion but your cat is not allowed to live with you then you will be presented with a hard determination.