Me and my husband are purchasing a maisonette in Torquay. My Solicitor is not on the lender approved panel. Is it possible for me to use my Torquay conveyancing solicitor even though they are excluded from the lender panel of approved conveyancing solicitors?

Various options include

• Carry on with your preferred Torquay but your bank will undoubtedly instruct a on their approved panel. This will result in additional cost together with potential frustration.
• Appoint a fresh to conduct the conveyancing, making sure they are on the mortgage company conveyancing panel.
• Convince your property lawyer to do everything possible to join the bank’s conveyancing panel

I am the registered owner of a freehold premises in Torquay yet pay rent, why is this and what is this?

It is rare for properties in Torquay and has limited impact for conveyancing in Torquay 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 generation of fresh rentcharges post 1977.

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

Taking into account that I will soon part with hundreds of thousands of pounds on a two bedroom apartment in Torquay I would like to have a conversation with the conveyancer concerning thehouse move ahead of instructing the firm. Can this be arranged?

Absolutely - it is our preference to talk to you we do not take any clients on without you speaking to the solicitor who will be conducting your property ownership legalities in Torquay.There is no ‘factory style conveyancing’ - every client is an important person, not a file reference. The solicitors that we put you in touch with believe that the figure you are quoted for residential conveyancing in Torquay should be the figure that you are charged.

I need to appoint a conveyancing solicitor for my conveyancing in Torquay. I have chance upon a site which seems to have the perfect answer If it is possible to get all formalities completed via phone that would be preferable. Should I be concerned? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

There are a number of properties in Torquay on unadopted roads. My wife and I are purchasing one such property. What are the pros and cons of purchasing a property on a privately owned road?

Torquay conveyancing solicitors are well versed in conveyancing homeson unadopted roads. The will investigate title to find any rights or liabilities. It is possible that there is a management company (wholly owned by residents) that proprietors pay into for the upkeep of the road. If there is one, the road should be maintained and appear better than publicly adopted.