I am hoping to receive a mortgage with Nat West. I would like to employ the services of a Licensed Conveyancer in Frizington. Does the Nat West Solicitor panel include Licensed Conveyancers?

The Nat West approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

We hope to to purchase with Melton Mowbray Building Society. We have called around locally but cant to find a Frizington conveyancing firm on the Melton Mowbray Building Society approved list. Can you help?

You should make use of the find a lender approved solicitor tool on this site. Please choose the building society and type Frizington or your location and you will be presented with numerous conveyancers offices in Frizington or by proximity to you.

Is it necessary to take out insurance to address the risk of chancel repairs when buying a house in Frizington?

Unless a previous purchase of the house took place post 12 October 2013 you may expect lawyers conducting conveyancing in Frizington to continue to advocate a chancel search and or chancel repair liability insurance.

I've recently found out that there is a flying freehold issue on a property I have offered on a fortnight ago in what should have been a simple, chain free conveyancing. Frizington is where the house is located. Is there any advice you can impart?

Flying freeholds in Frizington are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Frizington you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Frizington may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

We are in the middle of purchasing a property in Frizington. Conveyancing lawyer has told us the title is "Leasehold". Will this likely adversely affect our mortgage valuation?

Frizington conveyancing does not in most situations involve leasehold houses. The main factor here is the remaining lease term and the ground rent. If there are hundred of years years remaining with a nominal rent, it's essentially freehold, so it shouldn't impact the marketability significantly.

At the other extreme, if it's, say, 50 years it is bound to have a adverse impact on the value, and probably wouldn't be acceptable to the mortgage company. The length of lease and ground rent will be set out in the lease provided to your conveyancing practitioner.