Do the Building Society Association intend to launch a online directory to to identify firms on the Loughborough BS conveyancing panel for instance in Rugeley?

We have not been informed any intention on the part of the BSA to develop such a register.

My wife and I purchasing a terrace house in Rugeley. The intention is to carry out an extension to the side at the property.Will legal conveyancing on the property include investigations to determine if these works are prohibited?

Your property lawyer should review the deeds as conveyancing in Rugeley will on occasion identify restrictions in the title deeds which prohibit categories of works or need the consent of a 3rd party. Certain extensions need local authority planning consent and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be wise to check these issues with a surveyor before you commit yourself to a purchase.

Is there a list of Coventry BS panel conveyancers in Rugeley on the Building Society Association’s Website?

Unfortunately not yet. There is no such facility on the Council of Mortgage Lenders or Building Society Association sites. Very few lenders make their panel listings available online. If you are looking for a Rugeley solicitor on the Coventry BS please make the most of our tool.

We expect to receive a OIP from Skipton this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Skipton recommend any Rugeley solicitors on the Skipton conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Rugeley solicitors independently although you'll need to choose one on the Skipton conveyancing panel. The solicitor represents both you and Skipton through the process.

I require fast conveyancing in Rugeley as I am faced with pressure to complete within one month. A home loan is not required. Can I decline from having conveyancing searches to save money and time?

As you are are a mortgage free buyer you have the choice not to have searches carried out although no lawyer would suggest that you don't. Drawing on our experience of conveyancing in Rugeley the following are examples of issues that can show up and therefore impact future saleability: Refused Planning Applications, Overdue Fees, Outstanding Grants, Unadopted Roads,...

I am hoping to put an offer on a small detached house that appears to be perfect, at a reasonable price which is making it all the more appealing. I have subsequently discovered that it's a leasehold as opposed to freehold. I would have thought that there are issues purchasing a leasehold house in Rugeley. Conveyancing solicitors have are soon to be appointed. Will my lawyers set out the risks of buying a leasehold house in Rugeley ?

The majority of houses in Rugeley are freehold and not leasehold. This is one of the situations where having a local conveyancer who is familiar with the area who can assist with the conveyancing process. it is apparent that you are buying in Rugeley so you should seriously consider looking for a Rugeley conveyancing solicitor and be sure that they are used to advising on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a leaseholder you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as requiring the landlord’spermission to conduct changes to the property. You may also be required to pay a maintenance charge towards the maintenance of the communal areas where the house is located on an estate. Your conveyancer should appraise you on the various issues.

I bought a split level flat in Rugeley, conveyancing was carried out April 1998. Can you give me give me an indication of the likely cost of a lease extension? Corresponding properties in Rugeley with an extended lease are worth £186,000. The average or mid-range amount of ground rent is £55 levied per year. The lease ends on 21st October 2078

With 52 years remaining on your lease we estimate the premium for your lease extension to be between £29,500 and £34,000 as well as professional fees.

The figure that we have given is a general guide to costs for extending a lease, but we are not able to advice on the actual costs in the absence of detailed due diligence. Do not use the figures in a Notice of Claim or as an informal offer. There may be other issues that need to be considered and clearly you want to be as accurate as possible in your negotiations. Neither should you move forward based on this information without first getting professional advice.

Our offer on semi in Rugeley was agreed to, but there is a chain. The current proprietors have offered on a flat, although it’s not yet agreed to, and are looking at other apartments booked. I have selected a nearby conveyancing solicitor in Rugeley. What should be my next step? At what point should I apply for the mortgage with Leeds Building Society?

It is usual to have anxieties where there is an associated chain given your reluctance to incur expenses prematurely (home loan application is approx one thousand pounds, then valuation, Rugeley conveyancing search charges, etc). The first thing to do is ensure that your lawyer is on the Leeds Building Society approved list. As to the next steps this very much dictated by the circumstances of your case, desire for the property and on the state of the market. During a rising market some home buyers would apply for the mortgage with Leeds Building Society and pay for the valuation and only if it comes back ok would they request their conveyancer to press on with the conveyancing in Rugeley.