I am obtaining a offer of a home loan from Nat West. I would like to use a Licensed Conveyancer in Kent. Does the Nat West Solicitor panel include conveyancers regulated by the CLC?

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

I happen to be the only recipient of my late father’s will and I have everything in my name alone, including the my former home in Kent. The Kent property was put into my name in September. I now wish to sell up. I do know about the Mortgage Lenders six month 'rule', meaning my proprietorship could be considered the same way as if I'd bought the property in September. Will no one buy the property for half a year?

The CML handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be impacted by that. How practical a view banks take of it, depend on the mortgage company as this provision chiefly exists to pick up on subsales or the quick reselling of properties.

I currently have a mortgage with Coventry BS for my property in Kent. Conveyancing has been completed a year ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Coventry BS?

You must advise Coventry BS before letting out your property as this is likely to be a breach of Coventry BS’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Coventry BS directly. You need not do this via a Coventry BS conveyancing panel solicitor.

The formalities of my purchase has taken place for my property in Kent. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?

All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

I'm converting the mortgage on my existing property to a BTL mortgage with Coventry Building Society and I will use the rest of the raised equity towards another property. The neighborhood we are looking at is Kent. Will your conveyancers be able to act for the two lenders and tie in the conveyances?

Do use our comparison tool on this site to be sure that the conveyancers are approved by both mortgage companies. Having checked that they are the conveyancer should be able to tie up the two conveyancing matters but you should talk with you solicitor and make apparent your expectations and requirements.

I need to instruct a conveyancing solicitor in Kent for my house move. Is it possible to review a firm’s complaints history with the profession’s regulator?

Anyone can read documented Solicitor Regulator Association (SRA) determinations resulting from inquisitions commenced on or after Jan 2008. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a solicitors record, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, dial +44 (0)121 329 6800. The SRA may monitor call for training requirements.

Expecting to exchange soon on a leasehold property in Kent. Conveyancing lawyers assured me that they are sending me a report within the next couple of days. Are there areas in the report that I should be focusing on?

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

Rent payments - how much and when you need to pay, and also know whether this is subject to change You should be advised what is to be regarded as a Nuisance in the lease Whether your lease provides for a sinking account for major works? It needs to be made clear to you if the lease permits you to add or improve aspects of the flat- you should know whether any restrictions applies to all alterations or just structural alteration, and whether licences for alterations is mandated necessary Additions to the property

I am the registered owner of a garden flat in Kent, conveyancing was carried out February 1996. Can you please calculate a probable premium for a statutory lease extension? Corresponding properties in Kent with an extended lease are worth £201,000. The average or mid-range amount of ground rent is £45 levied per year. The lease ceases on 21st October 2090

With only 65 years left to run the likely cost is going to range between £13,300 and £15,400 as well as professional fees.

The figure that we have given is a general guide to costs for extending a lease, but we are not able to advice on a more accurate figure in the absence of detailed investigations. You should not use this information in tribunal or court proceedings. There are no doubt additional issues that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. You should not move forward placing reliance on this information without first seeking the advice of a professional.