Do I have to pop into the offices of the solicitor to execute the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Mawsley so that I can pop in to their offices if required.

Whereas this was necessary ten years ago, almost all mortgage companies no longer need their conveyancing panel lawyer to witness the mortgagors signature. It will still be necessary for you to supply identification documents and there are still distinct advantages to choosing a local solicitor, in your situation a conveyancing solicitor in Mawsley.

I am the only recipient of my late father’s estate and I have everything in my name now, including the my former home in Mawsley. Conveyancing formalities meant that the Land Registry date was in January. I want to move. I do know about the Mortgage Lenders six month 'rule', which means that my proprietorship will be considered the same way as though I had purchased the house in January. Is the property unsalable for six months?

The Council of Mortgage Lenders’ handbook requires solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be caught by that. many mortgage companies would take a sensible view as this clause is chiefly there to pick up on subsales or the wholesaling and assigning of properties.

Two weeks ago we had a mortgage agreed in principle with Principality. Mawsley conveyancing solicitors have been selected. What is the average time that one could expect to receive a mortgage offer from Principality?

Some lenders take longer than others. Have Principality conducted the valuation? Have you informed Principality as to your lawyers' details and checked that your lawyers are on the Principality conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

We have agreed to purchase a house in Mawsley. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Barclays be concerned?

Given that you are obtaining a mortgage with Barclays your lawyer must follow the formal requirements outlined in Section 2 of UK Finance Lenders’ Handbook for Barclays. The Council of Mortgage Lenders’ Handbook includes minimum provisions for solar panel roof-space leases, and solicitors are required to report to Barclays where a lease does not comply with these specifications. The specifications relate to the installation of panels on properties in England and Wales and is not limited to Mawsley.

Various online forums that I have frequented warn that are a common cause of stalling in Mawsley conveyancing transactions. Is that correct?

The Council of Property Search Organisations (CoPSO) released findings of a review by MoveWithUs that conveyancing searches do not feature within the most frequent causes of delays in the conveyancing process. Searches are not likely to be the root cause of delay in conveyancing in Mawsley.

What are the frequently found problems that you witness in leases for Mawsley properties?

There is nothing unique about leasehold conveyancing in Mawsley. Most leases are individual and legal mistakes in the legal wording can result in certain sections are not included. The following missing provisions could result in a defective lease:

A duty to insure the building A provision to repair to or maintain parts of the premises

A defective lease can cause issues when trying to sell a property primarily because it impacts on the ability to obtain a mortgage on the property. Barclays , Leeds Building Society, and Britannia all have very detailed conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is defective they may refuse to provide security, forcing the buyer to pull out.

Leasehold Conveyancing in Mawsley - Sample of Questions you should consider before buying

How is the lease structured? What is the length of the lease? What prohibitions are there in the Mawsley Lease?

We are FTB’s just having agreed a price on a property in Mawsley, and are about to get solicitors lined up. We have made use of the various comparison based websites and the quotes are from all over the the UK. Is it essential to have a Mawsley solicitor local to our prospective property? I am content to do everything over email, but I guess at some stage we will need to physically go into the lawyer's office to sign papers?

The conveyancer does not need to be in Mawsley, but opting for local means that you can go in if needed, for instance, if a signature is immediately necessary. In addition, a Mawsley solicitor is likely to be familiar with local agents and (if the vendor has instructed a local conveyancer) with them, which will help smooth the process.