Forgive me if this question is silly but I am unseasoned as FTB of a garden flat in Helston. Do I receive the keys to the premises on completion from my lawyer? If so, I will use a local conveyancing solicitor in Helston?

On the day of completion you do not need to go to the conveyancers office in Helston. Your solicitors will transfer the purchase money to the owner’s solicitors, and once they have received this, you will be called to collect the keys from the selling Agents and move into your new home. Usually this happens between 1 and 3pm.

I had a mortgage agreed in principle with Lloyds. Helston conveyancing practitioners were selected. How long does it take for Lloyds to forward the offer to the property lawyer?

There is no definitive answer here. Have Lloyds done the valuation? Have you advised Lloyds as to your lawyers' details and checked that your lawyers are on the Lloyds conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

Nottingham have agreed my home loan in principle, my offer on a house in Helston has been accepted, what are the next steps?

The property agent will wish to be informed of your conveyancer's details (be sure the conveyancing practitioners are on the bank’s approved list). Contact Nottingham or your financial adviser and finalise any relevant forms. Nottingham will sellect a valuer who will get in contact with the selling agent or owners to schedule an appointment. Once conducted (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. Nottingham will send the offer to you and your conveyancing practitioners. The legal work will then take it’s course according the nature and complexity of the conveyancing in Helston.

I have todayfound out that Action Conveyancing have closed. They carried out my conveyancing in Helston for a purchase of a leasehold apartment 10 months ago. How can I establish that the property is in my name in the name of the former proprietor?

The easiest method to see if the premises is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Helston conveyancing specialists.

Yesterday I discovered that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a simple, no chain conveyancing. Helston is the location of the property. Is there any advice you can impart?

Flying freeholds in Helston are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Helston you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Helston may decide 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 premises.

As co-executor for the estate of my uncle I am disposing of a property in Monmouth but live in Helston. My solicitor (who is 260 miles awayrequires that I execute a stat dec ahead of the transaction finalising. Can you recommend a conveyancing solicitor in Helston to witness this legal document for me?

strictly speaking you should not need to have the documents witnessed by a conveyancing solicitor. Normally or notary public or qualified solicitor will be fine regardless of whether they are located in Helston

I dont have enough spare money to pay a 10% deposit on my flat purchase in Helston , but I am anxious proceed. Do I have options?

One option is to try and agree a lesser deposit. Many property owners will agree to a lesser deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.

You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last minute