My wife and I have arranged the release of further funds on our mortgage from TSB as we wish to carry out improvements to our home in Holborn. Do we need to appoint a local Holborn solicitor on the TSB conveyancing panel to deal with the legals?

TSB do not ordinarily require a member of their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the TSB list.

Completion of my purchase has taken place for my property in Holborn. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.

Skipton have agreed my mortgage in principle, my bid on a apartment in Holborn has been agreed to, what are the next steps?

Your estate agent will want to be informed of your property lawyer's details (be sure the solicitors are on the bank’s approved list). Telephone Skipton or the financial adviser and finish off any relevant paperwork. Skipton will sellect a valuer who will get in touch with the selling agent or seller to book an appointment. Once carried out (assuming no problems) it takes on average ten days to get a mortgage offer. Skipton will issue 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 Holborn.

I am buying my first flat in Holborn with the aid of help to buy. The builders refused to move on the amount so I negotiated £7000 of extras instead. The property agent suggested that I not disclose to my conveyancer about this side-deal as it could affect my mortgage with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what was supposed to be a straight forward, chain free conveyancing. Holborn is the location of the property. Is there any advice you can give?

Flying freeholds in Holborn are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Holborn you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Holborn 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 premises.

I am using a search engine for the phrase on line conveyancing in Holborn it brings up many conveyancerslocally. How do I determine which is the suitable conveyancing solicitor for me?

The best way of seeking a suitable conveyancer is through a trusted referral, so seek the guidance of colleagues and relatives who have acquired a property in Holborn or the local estate agent or mortgage broker. Charges for conveyancing in Holborn vary, so it's advisable to secure at least three fee calculations from varying types of property lawyers. Dont forget to clarify that the fees are fixed.

Expecting to sign contracts shortly on a garden flat in Holborn. Conveyancing solicitors have said that they will have a report out to me next week. Are there areas in the report that I should be focusing on?

Your report on title for your leasehold conveyancing in Holborn should include some of the following:

Your conveyancers should enable you to have an understanding of the insurance provisions Whether the landlord has obligations to ensure rights of quiet enjoyment over your property and do you know what it means in practice? specifics of the parties to the lease, for instance these could be the (you), head lessor, landlord Alterations to the premises What you can do if another tenant in the building breaches a clause of their lease?

Despite our best efforts, we have been unsuccessful in negotiating a lease extension in Holborn. Can the Leasehold Valuation Tribunal adjudicate on premiums?

Absolutely. We can put you in touch with a Holborn conveyancing firm who can help.

An example of a Lease Extension case for a Holborn premises is Flat 89 Trinity Court Grays Inn Road in February 2013. the Tribunal found that the premium to be paid by the tenant on the grant of a new lease, in accordance with section 56 and Schedule 13 to the Leasehold Reform, Housing and Urban Development Act 1993 should be £36,229. This case related to 1 flat. The unexpired term was 66.8 years.