My IFA has requested my Wilton law firm’s panel member for the HSBC conveyancing panel. What is the best way to find this out. I have contacted my local Wilton branch but they have not got back to me yet.

Have you tried contacting your Wilton conveyancing practitioner about this?. Most Wilton conveyancing practices will keep a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each mortgage company.

My conveyancer has discovered a a legal deficiency with the lease for the apartment we are purchasing in Wilton. The other side have put forward title insurance as a solution. We are content with insurance and will cover the costs. Our conveyancing practitioner says that he must be satisfied that the mortgage company is content with this solution. Are we the client or is the bank?

Even though you have a mortgage offer from the lender does not mean to say that the property will meet their specifications for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the mortgage company are the client. The appropriate lender specifications must be adhered to.

I am assisting my mother sell her property in Wilton. Will the solicitor arrange the energy assessment or should I organise this?

Following the demise of Home Packs, energy performance certificates was kept a required element of selling a house. An energy performance certificate must be to hand prior to the property being put on the market. It is not something that law firms ordinarily organise. Where you are instructing a Wilton conveyancing practitioner they might help arrange energy performance certificates due to their relationships with long established local providers

My solicitor has informed me that flying freehold insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Wilton?

The appropriate level of flying freehold indemnity insurance should be dictated by who who your lender is. It would differ for example between Yorkshire Building Society and Barnsley Building Society. Conveyancing practitioners as opposed to members of the public take out such insurances.

Can I be sure that the Wilton conveyancing solicitor on the Bank of Ireland panel is any good?

When it comes to conveyancing in Wilton seeking recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advise that you speak with the lawyer conducting your transaction.

I have been on the look out for a leasehold apartment up to £195,000 and found one near me in Wilton I like with a park and transport links nearby, however it only has 61 years unexpired on the lease. I can't really find anything else in Wilton in this price bracket, so just wondered if I would be making a grave error buying a lease with such few years left?

If you require a mortgage the shortness of the lease may be a potential deal breaker. Reduce the price by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the property for a minimum of 2 years you can ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the current lease with a zero ground rent applied. You should speak to your conveyancing solicitor regarding this.

How much experience do your Wilton conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?

Wilton conveyancing lawyers help thousands of people move home every year and helped plenty of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Wilton conveyancers have worked on recent similar cases.