Can you point me to a directory of Santander panel conveyancers in Haddenham on the Council of Mortgage Lender’s Website?

No. There is no such facility on the CML or Building Society Association sites. Very few lending institutions make their panel listings open the public online. If you are looking for a Haddenham solicitor on the Santander please use our tool.

I'm at the point of viewing apartments in Haddenham and I am now considering a potential offer. Is it wise to have a property lawyer on ‘stand by’? I am planning to take a mortgage with Virgin Money.

It would be advisable to instigate your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their contact information on to the selling agent. Given that you are obtaining a mortgage with Virgin Money, ask your prospective lawyers if they are on the Virgin Money conveyancing panel otherwise they can't do the mortgage legal work.

I have paid off my mortgage with Co-operative. I assume I don't need a Haddenham conveyancing practitioner on the Co-operative panel to discharge the mortgage at the Land Registry. Am I right?

If you have finished paying off your Co-operative mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Co-operative mortgage from the register. Co-operative, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Co-operative has sent the Land Registry the discharge electronically, and
3. Co-operative has instructed the Land Registry to do so

Are there restrictive covenants that are commonly picked up as part of conveyancing in Haddenham?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Haddenham. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

In surfing the internet for the term on line conveyancing in Haddenham it brings up many conveyancersin the area. With so much choice what is the best way to find the suitable conveyancer for me?

The best method of choosing the right conveyancer is via trusted referral, so enquire of friends and relatives who have purchased a property in Haddenham or a reputable estate agent or mortgage broker. Costs for conveyancing in Haddenham differ, so it's sensible to request at least four costs illustrations from different conveyancers. Dont forget to clarify that the fees are fixed.

I today plan to offer on a house that appears to tick a lot of boxes, at a great price which is making it all the more appealing. I have just been informed that the title is leasehold rather than freehold. I would have thought that there are particular concerns buying a house with a leasehold title in Haddenham. Conveyancing advisers have are soon to be appointed. Will they explain the issues?

The majority of houses in Haddenham are freehold and not leasehold. This is one of the situations where having a local conveyancer used to dealing with such properties who can help the conveyancing process. it is apparent that you are buying in Haddenham in which case you should be looking for a Haddenham conveyancing practitioner and check that they are used to advising on leasehold houses. As a matter of priority you will need to check the number of years remaining. As a tenant you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as requiring the freeholder’spermission to carry out alterations. It may be necessary to pay a maintenance charge towards the upkeep of the communal areas where the property is located on an estate. Your conveyancer will report to you on the legal implications.

I invested in buying a studio flat in Haddenham, conveyancing having been completed November 2008. Can you give me give me an indication of the likely cost of a lease extension? Comparable flats in Haddenham with over 90 years remaining are worth £175,000. The ground rent is £65 invoiced every year. The lease finishes on 21st October 2082

You have 58 years unexpired the likely cost is going to range between £23,800 and £27,400 as well as legals.

The figure that we have given is a general guide to costs for extending a lease, but we cannot give you a more accurate figure without more detailed investigations. You should not use this information in tribunal or court proceedings. There may be additional issues that need to be considered and you obviously want to be as accurate as possible in your negotiations. Please do not take any other action based on this information without first getting professional advice.

Me and my partner are hoping to buy a 2 room flatin Haddenham with a residential mortgage from a lender. We wish to instruct our lawyer in Haddenham yet our lender inform us now that she’s not on their "panel". It seems we have little choice but to instruct one of the our bank panel solicitors or keep our Haddenham conveyancer and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that our lender use our Haddenham lawyer?

Unfortunately,no. The bank mortgage issued is subject to its terms and conditions, one of which will be that solicitors will on the bank's conveyancing panel. in the past, most mortgage companies had large numbers of law firms on their panels, including almost all conveyancing solicitors in Haddenham : a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your lawyer to apply to be on the conveyancing panel for your mortgage company.