Our lawyer has discovered a a legal deficiency with the lease for the apartment we are buying in Chelsfield. The seller’s lawyers have offered defective title insurance as a workaround. We are content with insurance and will pay for it. Our says that he must check that the mortgage company is happy with this solution. Are we the client or is the mortgage company ?

Regardless of the fact that you have a mortgage offer from the lender does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook requirements. You and the bank are the client. The appropriate lender provisions must be adhered to.

As I am unsure how the conveyancing bit works what is the most important piece of guidance you can give me concerning purchase conveyancing in Chelsfield?

Not many law firms or advisers will tell you this but conveyancing in Chelsfield and elsewhere in is an adversarial process. In other words, when it comes to conveyancing there is plenty of room for friction between you and other parties involved in the home moving process. For instance, the vendor, property agent and sometimes your mortgage company. Selecting a solicitor for your conveyancing in Chelsfield is a critical decision as your conveyancer is your adviser, and is the ONE person in the legal process whose role it is to look after your best interests and to protect you.

There is a definite emergence of a "blame" culture- someone must be blamed for the process being so protracted. You must always trust your solicitor above the other players when it comes to the legal transfer of property.

I used Wolstenholmes a few years past for my conveyancing in Chelsfield. Now, I need my files but the law firm is no longer operating. What do I do?

You should call the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Chelsfield of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

Due to the input of my in-laws I had a survey completed on a house in Chelsfield ahead of instructing solicitors. I have been advised that there is a flying freehold overhang to the property. The surveyor has said that some mortgage companies tend refuse to grant a mortgage on this type of premises.

It varies from the lender to lender. Lloyds has different instructions for example to Nationwide. If you contact us we can investigate further via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Chelsfield. Conveyancing may be slightly more expensive based on your lender's requirements.

I need to find a lender panel solicitor in Chelsfield. Can you assist?

Unfortunately it’s not apparent why you need a Chelsfield panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to the bank to find out which solicitors in Chelsfield are on their panel . If you do find such a firm in Chelsfield not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site