I am the registered owner of a freehold premises in Cleator Moor but still invoiced for rent, why is this and what is this?

It’s unusual for properties in Cleator Moor and has limited impact for conveyancing in Cleator Moor but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the generation of new rentcharges post 1977.

Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence after 2037 will be dispensed with completely.

I am the sole beneficiary of my late grandmother’s will and I have everything in my name alone, including the my former home in Cleator Moor. The Cleator Moor property was put into my name in October. I want to move. I understand that there is a CML 6 month 'rule', meaning my proprietorship may be treated the same way as though I had purchased the property in October. Will no one buy the property for half a year?

The CML handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be affected by that. Most banks would take a sensible view as this provision is primarily there to identify subsales or the flipping of properties.

Intending to buy a apartment in Cleator Moor. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Santander conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Cleator Moor property lawyer is on the Santander conveyancing panel.

I was told three weeks ago that my mortgage has been agreed to by Co-operative. Is it usual for Co-operative to only issue the offer once my solicitor in Cleator Moor is approved on their conveyancing panel? Co-operative have asked my solicitor to see a copy of their PI Insurance.

Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Co-operative to deal with your lawyer's application to be on the Co-operative conveyancing panel. There's no guarantee that your solicitor will be accepted.

Do I need to pay for insurance to cover chancel repairs when acquiring a residence in Cleator Moor?

Unless a previous acquisition of the house completed post 12 October 2013 you can expect conveyancing practitioners handling conveyancing in Cleator Moor to remain recommending a chancel search and or chancel repair liability policy.

I decided to have a survey done on a property in Cleator Moor before instructing lawyers. I have been told that there is a flying freehold aspect to the property. Our surveyor advised that some banks may not give a mortgage on such a premises.

It depends who your proposed lender is. Lloyds has different requirements 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 Cleator Moor. Conveyancing will be smoother if you use a solicitor in Cleator Moor especially if they regularly deal with such properties in Cleator Moor.

I am selling my house. My previous solicitors closed down. It would be helpful to have a recommendation of a conveyancing firm. Im based in Cleator Moor if that makes a difference.

You should use our search tool to help you find a solicitor for your conveyancing in Cleator Moor. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs with a minimum of fuss.