My conveyancer has uncovered a defect with the lease for the property we are purchasing in Devizes. The other side have put forward defective title insurance as a solution. We are happy with insurance and will pay for it. Our property lawyer has advised that he must be satisfied that the lender is willing to move forward with this solution. Who is the client here, us or the lender?

Even though you have a mortgage offer from the lender does not mean to say that the property will meet their requirements 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 mortgage company are the client. The appropriate lender requirements must be adhered to.

I am looking to buy a house and need a conveyancing solicitor in Devizes who is on the Nottingham Building Society solicitor. Could you point me in the right direction as regards a solicitor?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Nottingham Building Society in certain locations such as Devizes. We dont recommend any particular firm.

I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to take this when buying a residence in Devizes? or Apparently there is an ancient law that could mean that owners of property living in a parish church boundary may be liable to contribute towards repairs towards the chancel within the church. Is this applicable for conveyancing in Devizes?

Unless a prior purchase of the premises completed post 12 October 2013 you can take it that conveyancing practitioners carrying out conveyancing in Devizes to continue to propose a a chancel search and or insurance against a claim.

I need to find a conveyancing solicitor for my conveyancing in Devizes. I happened to chance upon a web site which appears to be the ideal offering If it is possible to get all this stuff completed via web that would be ideal. Do I need to be concerned? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

Can you provide any advice for leasehold conveyancing in Devizes with the purpose of saving time on the sale process?

• A significant proportion of the frustration in leasehold conveyancing in Devizes can be avoided if you appoint lawyers as soon as your agents start marketing the property and request that they start to put together the leasehold information needed by the purchasers’ lawyers.
If you hold a share in a the Management Company, you should ensure that you are holding the original share certificate. Arranging a duplicate share certificate can be a lengthy process and frustrates many a Devizes home move. Where a reissued share certificate is necessary, you should approach the company director and secretary or managing agents (if applicable) for this as soon as possible. Some Devizes leases require Licence to Assign from the landlord. If this applies to your lease, you should notify your estate agents to make sure that the purchasers put in hand financial (bank) and professional references. The bank reference should make it clear that the buyer is financially capable of paying the yearly service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the service charge figures so that they can pass this information on to the buyers or their lawyers. If there is a history of conflict with your landlord or managing agents it is very important that these are settled before the property is marketed. The purchasers and their solicitors will be nervous about purchasing a flat where there is a current dispute. You will have to accept that you will have to discharge any arrears of service charge or resolve the dispute prior to completion of the sale. It is therefore preferable to have any dispute settled prior to the contract papers being issued to the buyers’ solicitors. You are still duty bound to disclose details of the dispute to the buyers, but it is better to reveal the dispute as over as opposed to ongoing.

I invested in buying a 1 bedroom flat in Devizes, conveyancing having been completed June 1997. Can you shed any light on how much the price could be for a 90 year extension to my lease? Similar properties in Devizes with over 90 years remaining are worth £222,000. The average or mid-range amount of ground rent is £50 charged once a year. The lease ceases on 21st October 2096

With just 70 years left to run the likely cost is going to range between £9,500 and £11,000 plus costs.

The figure above a general guide to costs for extending a lease, but we are not able to provide a more accurate figure in the absence of detailed due diligence. Do not use the figures in a Notice of Claim or as an informal offer. There may be other concerns that need to be considered and you obviously should be as accurate as possible in your negotiations. You should not move forward placing reliance on this information without first getting professional advice.