My grandmother passed away six months ago and as sole heir and executor I was left the property in Upminster Bridge. The house had a small mortgage left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Co-operative, pay off the mortgage. Is this allowed?

If you plan to re-mortgage then Co-operative will require that you use a conveyancer on the Co-operative conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Co-operative conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Co-operative mortgage is registered as a charge at the Land Registry.

Various web forums that I have come across warn that are a common cause of stalling in Upminster Bridge conveyancing transactions. Is there any truth in this?

The Council of Property Search Organisations (CoPSO) has noted the findings of research by MoveWithUs that conveyancing searches do not feature amongst the common causes of delays in the conveyancing process. Searches are not likely to feature in any delay in conveyancing in Upminster Bridge.

five months have gone by following my purchase conveyancing in Upminster Bridge took place. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

Taking into account that I am about to spend hundreds of thousands of pounds on a garden flat in Upminster Bridge I would like to talk to a conveyancer about mytransaction before instructing the firm. Can this be arranged?

Absolutely - we would be happy to talk to you we do not take any clients on without you speaking to the conveyancer who will be carrying out your property ownership legalities in Upminster Bridge.There is no ‘factory style conveyancing’ - every client is an important individual, not a file number. The law firms that we put you in touch with believe that the figure you are quoted for residential conveyancing in Upminster Bridge should be the amount on the final invoice that you are charged.

Is there a reason that Upminster Bridge conveyancing costs are higher for leasehold and freehold properties?

There is always increased work required for leasehold conveyancing. Upminster Bridge has many leasehold properties. There is more paperwork involved in the purchase: for example, the lease and leasehold information (including up to date service charge, ground rent and buildings insurance details) obtained from the freeholder or managing agents. There are strict criteria that the lease must meet in order to be acceptable to a mortgage company. If it does not meet these requirements, the lease must be amended, which can involve additional expense for the seller.