My husband and I are purchasing a 1 bedroom apartment in Tadley with a mortgage. We would like to retain our Tadley solicitor, but the lender says he's not on their "panel". We have to appoint one of the lender panel firms or keep our Tadley and pay for one of their panel lawyers to act for them. This feels very unfair; is there anything we can do?

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 Tadley conveyancing solicitor to apply to be on the conveyancing panel.

In what way does my ID and proof of funds have anything to do with my conveyancing in Tadley? Why is this being asked of me?

Anti-terror and anti-money-laundering regulations require solicitors and licensed conveyancers to check the identification documents of the person or body they are dealing with prior to agreeing to accepting their conveyancing business. The Client Care letter that you need to sign will no doubt stipulate this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. Where you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you.

Do commercial conveyancing searches disclose planned roadworks that may affect a commercial site in Tadley?

Many commercial conveyancing solicitors in Tadley will order a SiteSolutions Highways report as it dramatically cuts the time that conveyancers spend in looking into accurate data on highways that impact buildings and development assets in Tadley. The report provides definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Tadley.

For each commercial conveyancing transaction in Tadley it is crucial to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately may result in delays to Tadley commercial conveyancing transactions as well as pose a risk to future plans for the site. These searches are not ordered for domestic conveyancing in Tadley.

Are there restrictive covenants that are commonly picked up as part of conveyancing in Tadley?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Tadley. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

Tadley Leasehold Conveyancing - Examples of Questions you should ask before buying

You should be aware if it is no more than 80 years it will affect the marketability of the apartment. Check with your lender that they are willing to to proceed given the lease term. A short lease means that you will most likely require a lease extension at some point and you need to have some idea of what this will be. Remember, in most cases you would need to own the property for two years before you are eligible to carry out a lease extension. Make sure you find out if the the lease contains any onerous restrictions in the lease. For example it is reasonably common in Tadley leases that pets are not allowed in in a block in Tadley. If you like the flatin Tadley yet your cat is not allowed to move with you then you will be faced hard compromise. Is the freehold reversion owned collectively by the tenants?