My aunt passed away 10 months ago and as sole heir and executor I was left the property in West Haddon. The house had a relatively small loan remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Barclays, pay off the mortgage. Is this possible?

Where you plan to re-mortgage then Barclays will insist on your using a conveyancer on the Barclays 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 Barclays 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 Barclays mortgage is registered as a charge at the Land Registry.

When it comes to lenders such as Bank of Ireland, do West Haddon conveyancing practitioners incur an annual charge to be on the conveyancing panel?

We are unaware of any mortgage company fees to register on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.

Can you point me to a directory of Virgin Money panel conveyancers in West Haddon on the Council of Mortgage Lender’s Website?

No. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of lenders make their panel listings available online. Where you are in need of a West Haddon solicitor on the Virgin Money please make the most of our tool.

Planning on purchasing a flat in West Haddon. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Kent Reliance conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the West Haddon conveyancer is on the Kent Reliance conveyancing panel.

How does conveyancing in West Haddon differ for newly converted properties?

Most buyers of new build property in West Haddon come to us having been asked by the builder to exchange contracts and commit to the purchase even before the property is constructed. This is because new home sellers in West Haddon usually buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in West Haddon or who has acted in the same development.

What does commercial conveyancing in West Haddon cover?

Non domestic conveyancing in West Haddon incorporates a wide array of advice, given by regulated solicitors, relating to business premises. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.

I am hoping to put an offer on a small detached house that seems to be perfect, at a great price which is making it more attractive. I have subsequently discovered that the title is leasehold rather than freehold. I am assuming that there are particular concerns purchasing a house with a leasehold title in West Haddon. Conveyancing advisers have are about to be instructed. Will they explain the issues?

The majority of houses in West Haddon are freehold rather than leasehold. In this scenario it’s worth having a local conveyancer used to dealing with such properties who can assist with the conveyancing process. it is apparent that you are purchasing in West Haddon so you should seriously consider shopping around for a West Haddon conveyancing solicitor and be sure that they have experience in advising on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a tenant you will not be entirely free to do whatever you want to the property. The lease comes with conditions for example requiring the freeholder’sconsent to conduct changes to the property. You may also be required to pay a service charge towards the upkeep of the estate where the property is located on an estate. Your solicitor should appraise you on the various issues.

West Haddon Leasehold Conveyancing - Sample of Queries before Purchasing

It would be a good idea to enquire if there is anything that is prohibited in the lease. By way of example it is very common in West Haddon leases that pets are not allowed in in a block in West Haddon. If you like the flatin West Haddon however your cat is not allowed to live with you then you will be presented with a hard compromise. How much is the maintenance charge and ground rent on the flat? Does this lease have more than 90 years remaining?