My wife and I are purchasing a 3 bedroom apartment in Radcliffe on Trent with a mortgage. We like our Radcliffe on Trent solicitor, however the mortgage company advise he's not on their "panel". We have to appoint one of the lender panel firms or keep our Radcliffe on Trent lawyer and pay for one of their panel ones to act for them. We regard this is unjust; are we not able to insist that the mortgage company use our Radcliffe on Trent conveyancing practitioner ?

No, not really. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Radcliffe on Trent conveyancing lawyer to apply to be on the conveyancing panel.

We had selected conveyancers based in Radcliffe on Trent on the Kent Reliance solicitor panel. They have just invoiced me a further charge for dealing with the Kent Reliance mortgage. Is this an additional conveyancing fee specified by Kent Reliance?

Unfortunately, so long as it is in their Terms and Conditions or estimate then yes your property lawyer is entitled to charge a fee for this. This fee is not dictated by Kent Reliance but by your Radcliffe on Trent lawyer. Plenty of firms on the Kent Reliance panel will charge ’dealing with mortgage’ fee and others do not.

I have a mortgage with Skipton for my property in Radcliffe on Trent. Conveyancing was finalised some time ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Skipton?

You must advise Skipton in advance of letting out your property as this is likely to be a breach of Skipton’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Skipton directly. It should not be necessary to do this via a Skipton conveyancing panel firm.

I was told two weeks ago that my mortgage has been agreed to by Co-operative. Is it usual for Co-operative to only issue the offer once my solicitor in Radcliffe on Trent is approved on their conveyancing panel? Co-operative have asked my solicitor to see a copy of their PI Insurance.

A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Co-operative to deal with your lawyer's application to be on the Co-operative conveyancing panel. There's no guarantee that your solicitor will be accepted.

Over the last few months I have been searching for a flat up to £195,000 and found one close by in Radcliffe on Trent I like with a park and transport links in the vicinity, however it only has 49 years on the lease. I can't really find anything else in Radcliffe on Trent for this price, so just wondered if I would be making a grave error buying a short lease?

If you need a mortgage the remaining unexpired lease term may be problematic. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the property for at least twenty four months you may request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should consult your conveyancing lawyer concerning this matter.

My company is intending to lease a unit on the high street. Can you recommend conveyancers offering no-sale-no charges for non-domestic conveyancing in Radcliffe on Trent for less than £2000?

We can recommend firms who host a wealth of experience of commercial conveyancing in Radcliffe on Trent, including the disposal and acquisition of businesses as well as simply premises. Whether you are hoping to acquire or dispose of a shop, pub, restaurant, office, retail unit or a whole business we can find you the right lawyer. Regarding the charges this will depend on the structure and terms of the deal. Let us have your contact information or email so as to enable us to supply you with a detailed commercial conveyancing quote.

Expecting to complete next month on a basement flat in Radcliffe on Trent. Conveyancing lawyers assured me that they are sending me a report on Monday. Are there areas in the report that I should be focusing on?

Your report on title for your leasehold conveyancing in Radcliffe on Trent should include some of the following:

Are you allowed to have a pet in the flat? You should have a good understanding of the building insurance requirements What options are available to the landlord where you have breached the provisions of the lease? You should be told what counts as a Nuisance as far as the lease is concerned Whether the lease restricts you from renting out the property, or having a home office for business

Radcliffe on Trent Leasehold Conveyancing - A selection of Queries Prior to buying

Who is in charge of the building? If a Radcliffe on Trent lease has no more than 80 years it will affect the marketability of the flat. Check with your lender that they are content with remaining years on the lease. A short lease means that you will almost definitely need a lease extension sooner rather than later and it is worth finding out how much this would cost. Remember, in most cases you would need to own the property for 24 months in order to be legally able to extend the lease. Are any of leasehold owners in arrears of their service charge payments?