My apartment in Whimple is up for sale and I have accepted an offer. Will the lawyer need to be required to be on the Clydesdale conveyancing panel in order to deal with redeeming my mortgage?

Ordinarily, even if your lawyer is not on the Clydesdale conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently in recent years.

Does a directory service exist listing Barclays panel solicitors in Whimple on the Building Society Association’s Website?

Unfortunately not yet. There is no such directory service on the Council of Mortgage Lenders or Building Society Association sites. A small selection of banks make their panel listings visible over the internet. If you are looking for a Whimple conveyancer on the Barclays please use our tool.

I'm in the process of looking at apartments in Whimple and I am now considering a potential offer. Is it too early to have a solicitor in place? I intend to finance via a mortgage with Bank of Ireland.

You should start requesting conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the EA. As you are obtaining a mortgage with Bank of Ireland, make sure you remember to check that your lawyer is on the Bank of Ireland conveyancing panel.

Having digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Whimple solicitor - who is on the Virgin Money conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?

Virgin Money will need an independent valuation of the property. Your lawyer will not arrange this. Usually Virgin Money will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Whimple surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

Due to the encouragement of my in-laws I had a survey completed on a property in Whimple prior to instructing lawyers. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some mortgage companies tend refuse to grant a mortgage on a flying freehold home.

It varies from the lender to lender. Lloyds has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Whimple. Conveyancing will be smoother if you use a solicitor in Whimple especially if they are acquainted with such properties in Whimple.

As co-executor for the will of my grandfather I am disposing of a residence in Cardiff but reside in Whimple. My lawyer (who is 235 kilometers awayrequires that I sign a stat dec ahead of the transaction finalising. Could you suggest a conveyancing lawyer in Whimple to witness and place their company stamp on the document?

Technically speaking you are not likely to need to have the documents attested by a conveyancing solicitor. Normally or notary public or qualified solicitor will do regardless of whether they are located in Whimple

I am in need of some leasehold conveyancing in Whimple. Before I set the wheels in motion I want to be sure as to the number of years remaining on the lease.

Assuming the lease is registered - and 99.9% are in Whimple - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

I invested in buying a garden flat in Whimple, conveyancing formalities finalised February 1996. How much will my lease extension cost? Comparable properties in Whimple with an extended lease are worth £176,000. The ground rent is £50 charged once a year. The lease ceases on 21st October 2105

With 80 years left to run the likely cost is going to be between £7,600 and £8,800 as well as legals.

The suggested premium range above a general guide to costs for extending a lease, but we are not able to provide the actual costs without more comprehensive due diligence. Do not use the figures in a Notice of Claim or as an informal offer. There may be other issues that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Please do not take any other action based on this information before getting professional advice.