My lawyer has identified a a legal deficiency with the lease for the property we are buying in Danbury. The seller’s lawyers have offered defective title insurance as a workaround. We are happy with insurance and will pay for it. Our solicitor says that he must check that the bank is happy with this solution. Who is the client here, us or the mortgage company ?

Regardless of the fact that you have a mortgage offer from the mortgage company 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 conditions. You and the lender are the client. The appropriate lender specifications must be adhered to.

We're in Danbury, First timers purchasing with a mortgage (lender is Santander , and our solicitor is on the Santander conveyancing panel). How long should the conveyancing process take?

The fact that your lawyer is on the Santander conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancing practitioner should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.

I note that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when buying a property in Danbury? or I am told that there is historic law that means some owners of property living in a parish church boundary may be liable to contribute towards maintenance towards the chancel within the church. Is this suitable for conveyancing in Danbury?

Unless a prior purchase of the premises took place post 12 October 2013 you may take it that conveyancing practitioners delivering conveyancing in Danbury to remain encouraging a chancel search and or insurance against a claim.

I am buying a new build flat in Danbury. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Here is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Danbury

There must be mutual enforceability of lessee’s covenants. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Forfeiture - bankruptcy or liquidation must not apply under this provision. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore.

I am 14 days into a leasehold purchase having been directed to conveyancers by the high street agent to execute conveyancing in Danbury. I am am very disappointed with the quality of service. Can you help me find new solicitors?

A solicitor would need to be really bad to suggest replacing them. Has the loan offer been generated? If so you will need to inform them of the new contact details and have the offer are re-issued. Your conveyancer needs to be on the lenders approved list to avoid escalating fees and complications. That should be your first question of the new conveyancers. Our search tool will assist you in finding a lender approved lawyer for your conveyancing in Danbury