I am expecting a mortgage offer from Nat West. I would like to retain the legal services of a Licensed Conveyancer in Virginia Water. Does the Nat West Solicitor panel exclude Licensed Conveyancers?

The Nat West conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.

I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Virginia Water. My lender is The Mortgage Works

The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 23/9/2025, the requirements read as follows :

I understand that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when acquiring a house in Virginia Water? or Apparently there is a law dating back centuries that means some house owners residing in a parish church boundary will be compelled to pay for repairs towards the chancel in proximity to the church. Is this a legitimate concern for conveyancing in Virginia Water?

Unless a prior acquisition of the house took place post 12 October 2013 you could assume that lawyers conducting conveyancing in Virginia Water to remain recommending a chancel search and or insurance against a claim.

What makes a Virginia Water lease defective?

There is nothing unique about leasehold conveyancing in Virginia Water. All leases are individual and drafting errors can sometimes mean that certain clauses are wrong. The following missing provisions could result in a defective lease:

Insurance obligations A provision to repair to or maintain elements of the building

You may have difficulties when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Barclays , Bank of Scotland, and Godiva Mortgages Ltd all have express requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is defective they may refuse to provide security, obliging the purchaser to withdraw.

I inherited a split level flat in Virginia Water, conveyancing was carried out December 1995. Can you let me have an estimated range of the fair premium for a lease extension? Corresponding properties in Virginia Water with over 90 years remaining are worth £180,000. The ground rent is £65 invoiced annually. The lease terminates on 21st October 2084

With only 59 years left to run the likely cost is going to range between £20,900 and £24,200 plus plus your own and the landlord's "reasonable" professional fees.

The figure that we have given is a general guide to costs for extending a lease, but we are not able to provide a more accurate figure in the absence of detailed investigations. You should not use the figures in tribunal or court proceedings. There are no doubt additional concerns that need to be considered and you obviously want to be as accurate as possible in your negotiations. Please do not move forward based on this information before getting professional advice.

My husband and I hope to buy our 1st home in Virginia Water. Conveyancing lawyer already selected. The mortgage adviser pointed out that a survey is not appropriate as the property was only constructed twenty two years ago.

As the bare minimum you need a Home Buyer's Report. Given the property was built over a decade ago the property will not benefit from a warranty, so you don't want to take a risk. Where a property of this age shows no signs of defects a Home Buyer's report may suffice. The report should highlight any obvious problems and suggest additional investigation where relevant. Where there are any signs of material issues seek a comprehensive structural survey.