I am the registered owner of a freehold house in Ormesby but nevertheless pay rent, why is this and what is this?

It is rare for properties in Ormesby and has limited impact for conveyancing in Ormesby but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the establishment of new rentcharges from 1977 onwards.

Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 is to be dispensed with completely.

My apartment in Ormesby is up for sale and I have a buyer. Does my property lawyer need to be on the Clydesdale conveyancing panel in order to deal with paying off my mortgage?

Ordinarily, even if your lawyer is not on the Clydesdale conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently currently.

I've recently found out that there is a flying freehold issue on a property I put an offer in last month in what should have been a simple, no chain conveyancing. Ormesby is the location of the property. Can you offer any guidance?

Flying freeholds in Ormesby are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Ormesby 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 Ormesby may decide 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.

Taking into account that I am about to spend £400,000 on a two bedroom apartment in Ormesby I would like to talk to a solicitor about myhouse move in advance of appointing the firm. Is this something that you can arrange?

Absolutely - it is our preference to talk to you we do not take any clients on without you liaising with the conveyancer who will be doing your property ownership legalities in Ormesby.There is no ‘factory style conveyancing’ - every client is an important individual, not a file number. The practices that we put you in touch with believe that the figure you are calculated and presented to you for your conveyancing in Ormesby should be the figure that you end up paying.

My brother has suggested that I instruct his lawyers for conveyancing in Ormesby. Should I find my own solicitor?

No doubt the ideal way to find a conveyancing practitioner is to get recommendations from friends or family who have actually used the solicitor you're are thinking of instructing.