Is it necessary during the course of the conveyancing process to attend the offices of the solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Comberton so that I can pop in to their offices if required.

These days conveyancing panel lawyers for mortgage companies conduct their work via the post, internet or over the phone. This means that they can undertake the legal work for your home move regardless of where you live in the country. That being said you can see if you have the option of going to the offices of your conveyancing lawyer if needed.

I am the sole recipient of my late grandmother’s estate and I have everything in my name now, including the my former home in Comberton. Conveyancing formalities meant that the Land Registry date was in May. I want to move. I do know about the Mortgage Lenders six month 'rule', which means that my property ownership may be regarded the same way as if I'd bought the house in May. Will no one buy the property for half a year?

The Council of Mortgage Lenders’ handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be affected by that. How practical a view mortgage companies take of it, depend on the bank as this requirement chiefly exists to identify the purchase and immediately sell or the quick reselling of properties.

The mortgage over my property is with Leeds Building Society for my property in Comberton. Conveyancing was finalised a year ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Leeds Building Society?

You must advise Leeds Building Society before letting out your property as this is likely to be a breach of Leeds Building Society’s mortgage conditions. It may be that Leeds Building Society will allow you to rent 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 Leeds Building Society directly. It should not be necessary to do this via a Leeds Building Society conveyancing panel firm.

I can not fathom if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Comberton building society branch on various occasions and was told it does not affect the mortgage offer and they will lend. My Comberton conveyancing solicitor - who is on the lender conveyancing panel- telephoned to say that they refuse to lend in accordance with their specific requirements. I have no idea who is right.

Your solicitor has to comply with the CML Handbook section two specifications for your bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

I decided to have a survey completed on a property in Comberton in advance of retaining lawyers. I have been advised that there is a flying freehold aspect to the property. The surveyor has said that some lenders tend refuse to grant a loan on a flying freehold house.

It varies from the lender to lender. Santander has different requirements for example to Nationwide. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Comberton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Comberton to see if the conveyancing will be more expensive.

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At this site secure a fixed fee costs illustration via a Solicitor or Licensed Conveyancer that understands the nuances for your conveyancing in Comberton. As opposed to estate agents and many comparison sites we are not in the business of charging firms a fee if you select them for your home move in Comberton

I've recently bought a leasehold house in Comberton. Do I have any liability for service charges for periods before completion of my purchase?

Where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Comberton Conveyancing for Leasehold Flats - Sample of Queries before Purchasing

Is anyone aware of any major works anticipated that could add a premium to the service fees? Does the lease contain onerous restrictions? The answer will be useful as a) areas can cause problems in the building as the common areas may start to deteriorate if repairs remain unpaid b) if the tenants have a dispute with the running of the building you will want to have full disclosure