I'm the only beneficiary of my late mum's will with all property in now in my sole name, including the house in Oldland. Conveyancing formalities meant that the Land Registry date was in March. I now wish to sell up. I do know about the CML six month 'rule', meaning my proprietorship could be regarded the same way as if I'd bought the house in March. Is the property unsalable for six months?

The Council of Mortgage Lenders’ handbook requires conveyancers 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 impacted by that. How sensible a view lenders take of it, depend on the bank as this clause chiefly exists to pick up on the purchase and immediately sell or the wholesaling and assigning of property.

When it comes to lenders such as Co-operative, do Oldland conveyancing practitioners incur an annual charge to be on the conveyancing panel?

We are not aware of any bank fees to be on their list of approved firms, although some do levy an administration fee to deal with the processing of the conveyancing panel submission.

It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Oldland building society branch on numerous occasions and was told it does not impact the mortgage offer and they would lend. My Oldland conveyancing solicitor - who is on the bank conveyancing panel- telephoned and was told they refuse to lend based on their published requirements. Who do I believe?

Provided that the lawyer is on the bank panel, they must adhere to the CML Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.

I note that there are debates on Chancel Insurance on online forums. Am I compelled to have this when buying a residence in Oldland? or I am told that there is a law dating back centuries that could mean that homeowners living in a parish church boundary may be liable to contribute towards maintenance towards the chancel in proximity to the church. Is this suitable for conveyancing in Oldland?

Unless a prior purchase of the premises completed after 12 October 2013 you could take it that solicitors handling conveyancing in Oldland to continue to recommend a chancel search and or insurance against a claim.

My partner has encouraged me to appoint his lawyers for conveyancing in Oldland. Should I choose my own conveyancer?

Much as we are happy to recommend a Oldland conveyancing lawyer the ideal way to find a conveyancing solicitor is to get feedback from friends or relatives who have actually previously instructed the firm you're contemplating using.

I am intending to sublet my leasehold flat in Oldland. Conveyancing solicitor who did the purchase is retired - so can't ask her. Do I need to ask my freeholder for permission?

The lease dictates the relationship between the landlord and you the flat owner; specifically, it will say if subletting is banned, or permitted but only subject to certain conditions. The accepted inference is that if the lease contains no expres ban or restriction, subletting is permitted. Most leases in Oldland do not contain strict prohibition on subletting – such a provision would adversely affect the market value the flat. Instead, there is usually a basic requirement that the owner notifies the freeholder, possibly supplying a duplicate of the sublease.

Leasehold Conveyancing in Oldland - A selection of Questions you should ask Prior to buying

How many of the leaseholders are in arrears for their service charge payments? Most Oldland leasehold properties will incur a service charge for the upkeep of the building levied by the management company. Should you acquire the flat you will have to meet this charge, normally in instalments throughout the year. This can be anything from several hundred pounds to thousands of pounds for bigger purpose-built buildings. There will also be a rentcharge to be met yearly, normally this is not a significant sum, say about £50-£100 but you should to enquire it because sometimes it can be surprisingly expensive. How much is the ground rent and service charge?

Our conveyancer in Oldland has discovered a defect with the lease for the apartment we are purchasing in Oldland. The other side have offered title insurance as a workaround. We are happy with insurance and will pay for it. Our solicitor says that as he is on the bank conveyancing panel he must ensure that the lender is happy with this solution. Who is the client here, us or the lender?

Just because you have a mortgage offer from the mortgage company does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Oldland conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the bank are the client. These conveyancing instructions must be adhered to by the mortgage company conveyancing panel who has to balance acting for you and the mortgage company