Our solicitor has discovered a a legal deficiency with the lease for the flat we are buying in Milton Keynes Village. The other side have put forward title insurance as a workaround. We are content with insurance and will cover the costs. Our property lawyer has advised that he must check that the bank is willing to move forward with this solution. Who is the client here, us or the lender?

The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the bank are the client. Your conveyancer must comply with the UK Finance Lenders’ Handbook conditions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the bank can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your conveyancer will have no choice but to discontinue acting for you.

My uncle advised me that in purchasing a property in Milton Keynes Village there could be a number of restrictions preventing external alterations to a property. Is this right?

There are a number of properties in Milton Keynes Village which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Milton Keynes Village should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

Does a directory service exist listing Bank of Ireland panel solicitors in Milton Keynes Village on the Building Society Association’s Website?

Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of lending institutions make their panel listings visible on the web. Where you are in need of a Milton Keynes Village conveyancer on the Bank of Ireland please use our facility.

I have today made my last payment due on my mortgage with Skipton. I assume I don't need a Milton Keynes Village conveyancing practitioner on the Skipton panel to discharge the mortgage at the Land Registry. Am I right?

If you have finished paying off your Skipton 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 Skipton mortgage from the register. Skipton, 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 Skipton has sent the Land Registry the discharge electronically, and
3. Skipton has instructed the Land Registry to do so

I have a semi-detached Georgian house in Milton Keynes Village. Conveyancing lawyer represented me and Coventry Building Society. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold with the matching property. If a house is not a freehold shouldn't I have been informed?

You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Milton Keynes Village and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with your conveyancing solicitor who conducted the conveyancing.

Yesterday I discovered that there is a flying freehold issue on a property I have offered on two weeks back in what was supposed to be a straight forward, chain free conveyancing. Milton Keynes Village is the location of the property. Can you offer any opinion?

Flying freeholds in Milton Keynes Village are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Milton Keynes Village you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Milton Keynes Village 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.

My father has recommend that I instruct his conveyancers in Milton Keynes Village. Should I use them?

There are no two ways about it the best way to select a conveyancing solicitor is to seek referrals from friends or relatives who have actually experience in using the firm that you are contemplating using.