My Monken Hadley solicitor has spotted an inconsistency when comparing the assumptions in the valuation report and what is in the title deeds. My lawyer has advised that he needs to ensure that the bank is happy with this discrepancy and is still content to lend. Is my conveyancer’s approach correct?

Your property lawyer must comply with the UK Finance Lenders’ Handbook provisions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.

It is 10 years ago since I bought my house in Monken Hadley. Conveyancing lawyers have just been instructed on the sale but I can't locate the title deeds. Is this a major issue?

Don’t worry too much. First there is a possibility that the deeds will be retained by the mortgage company or they may be archived with the solicitor who acted in your purchase. Secondly in most cases the title will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors obtaining up to date copy of the land registers. Most conveyancing in Monken Hadley involves registered property but in the unlikely event that your home is not registered it is more tricky but is not insurmountable.

About to purchase a new build flat in Monken Hadley. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Here is a sample of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Monken Hadley

Please supply a car parking plan. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? There must be mutual enforceability of lessee’s covenants. Please confirm the Lease plans are architect prepared.

Due to the guidance of my in-laws I had a survey completed on a property in Monken Hadley in advance of instructing conveyancers. I have been informed that there is a flying freehold element to the house. My surveyor has said that some mortgage companies may not issue a mortgage on this type of house.

It depends who your proposed lender is. Santander has different requirements from Nationwide. If you e-mail us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Monken Hadley. Conveyancing will be smoother if you use a solicitor in Monken Hadley especially if they are familiar with such properties in Monken Hadley.

I have today placed an offer on a leasehold flat in Monken Hadley and the mortgage adviser that we are dealing with suggested his solicitor. They quoted a thousand pounds including VAT and disbursements. Does this sound like a good deal?

Don't just go on one estimate. You should seek like-for-like quotes for your conveyancing in Monken Hadley. Then pick one that you are comfortable with and crucially, is on the approved list of the mortgage company that you are sourcing your mortgage from.