My lawyer has identified a a legal deficiency with the lease for the property we are buying in Nag's Head. The seller’s lawyers have offered defective title insurance as a solution. We are content with insurance and will pay for it. Our has advised that he must be satisfied that the lender is happy with this solution. Who is the client here, us or the bank?

Regardless of the fact that you have a mortgage offer from the lender does not mean to say that the property will meet their provisions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook requirements. You and the bank are the client. The appropriate lender specifications have to be complied with.

I am buying a new build flat in Nag's Head. Conveyancing is daunting 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 legal work.

Here is a sample of a few leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Nag's Head

Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. 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. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.

Yesterday I discovered that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a simple, chain free conveyancing. Nag's Head is the location of the property. Can you offer any assistance?

Flying freeholds in Nag's Head are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Nag's Head you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Nag's Head may ascertain 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 residence.

My husband and I are FTB’s - agreed a price, but the agent told us that the seller will only proceed if we instruct the agent's chosen conveyancers as they are insisting on a ‘quick sale’. My instinct tells me that we should use a high street conveyancer used to conveyancing in Nag's Head

It is improbable the sellers are behind this. Should the vendor require ‘a quick sale', turning down a genuine purchaser is going to damage their objectives. Speak to the vendors direct and make the point that (a)you are keen to buy (b)you are ready to progress, with mortgage lined up © you do not need to sell (d) you wish to move quickly (e)however you intend to appoint your own,trusted Nag's Head conveyancing solicitors - rather thanthose that will earn the negotiator at the agency a introducer fee or achieve conveyancing figures pre-set by senior management.

My mum and dad are unable to locate their Nag's Head property on the HM Land Registry online search facility. They have a vague memory back in the 70’s when they acquired the property there were complications concerning the address not being identified on some systems.

Nearly all properties in Nag's Head should be revealed. Have you tried a search with simply the postcode. Normally it should reveal all the properties within the postcode. Assuming the property is registered it will show up with a title number. Where they bought back in the 60’s it's conceivable it may be unregistered. The address may still be revealed but with the title number identified as 'na'. In this scenario you will need to track down the original title papers which may be with your parent’s lender.