My fiancee and I are buying our first house. Our conveyancer has texted usto enquire if we would like to take out additional conveyancing searches. We are really unsure what's relevant for conveyancing in Englefield Green

The scope of Englefield Green conveyancing searches should be dictated entirely on the premises, the location, the possibility of any of these risks, your knowledge of the locality and risks, your overall attitude to risk. What matters is that you properly understand what information each search could give you. Then you can decide if you personally think you need that search. Should you be unsure, ask your lawyer to advise.

My lawyer has informed me that missing deeds insurance is necessary on my purchase. What is the level of cover for Englefield Green conveyancing?

The right level of missing deeds indemnity insurance should be dictated by who your lender. It would differ for example between National Westminster Bank and Skipton Building Society. Conveyancing practitioners as opposed to members of the public take out such policies.

Are all Englefield Green Conveyancing Quality Solicitors on the Yorkshire BS conveyancing list of approved practices?

It is true that some banks and building societies now make use of the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.

At last I have had an offer on an apartment in Englefield Green agreed to, the sellers do nevertheless have an associated purchase. The sellers have put an offer on a flat, but it’s not been accepted yet, and have viewings of other apartments booked. I have selected a bricks and mortar conveyancing solicitor in Englefield Green. What should be my next step? When should I get the mortgage application with Leeds Building Society started?

It is usual to have apprehensions where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is approx one thousand pounds, then survey, Englefield Green conveyancing search fees, etc). The first thing to do is check that your conveyancer is on the Leeds Building Society conveyancing panel. As to the next steps this very much depends on the circumstances of your transaction, motivation for this property and on the state of the market. In a rising market many buyers would apply for a home loan with Leeds Building Society and arrange for the valuation and only if it comes back ok would they request their lawyer to move forward with the conveyancing in Englefield Green.

Me and my brother have a terraced Edwardian house in Englefield Green. Conveyancing lawyer represented me and Barclays Direct. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, another for leasehold with the matching property. I'd like to know for sure, how can I find out??

You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Englefield Green and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing practitioner who conducted the purchase.

I have been on the look out for a flat up to £235,500 and identified one close by in Englefield Green I like with open areas and railway links in the vicinity, however it only has 52 years on the lease. I can't really find anything else in Englefield Green suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?

If you require a home loan the remaining unexpired lease term will be problematic. Discount the offer by the expected lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for at least 2 years you may request that they start the process of the extension and pass it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor regarding this matter.

Been searching for a property lawyer for leasehold sale conveyancing in Englefield Green. We are selling, simple no mortgage to pay off, no hurry, no onward purchase. Got a quote from a property lawyer for nine hundred pounds including VAT which is a little expensive given that its so straightforward. Can I pay less for conveyancing in Englefield Green?

Given that it’s a sale only, £500 + VAT is likely to be about the lowest for a Englefield Green solicitor firm.