Much to our surprise we have been advised by our financial adviser that my Axmouth and Branscombe lawyer is not on the mortgage company Conveyancing panel. How can I check?

Your first step should be to call your Axmouth and Branscombe conveyancer. It is reasonable to expect your lawyer to inform you of the situation. If they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your lender.

My wife and I have recently appointed a conveyancing solicitor in Axmouth and Branscombe. I I am struggling to find out whether they are accepted on the Godiva Mortgages Ltd conveyancing panel. Could you or the lender confirm if they are on the panel?

The first thing you should do is e-mail the solicitor and enquire whether they are on the lender panel. Alternatively you can call Godiva Mortgages Ltd who may be able to help.

My uncle pointed out to me me that in purchasing a property in Axmouth and Branscombe there may be various restrictions limiting what one can do in terms of external alterations to a property. Is this right?

There are a number of properties in Axmouth and Branscombe which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Axmouth and Branscombe should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

When it comes to lenders such as Nottingham, do Axmouth and Branscombe solicitors face an annual charge to be on the list of approved solicitors?

We are not aware of any lender fees to be on their panel, although some do charge an administration fee to deal with the processing of the conveyancing panel application.

I have today made my last payment due on my mortgage with Aldermore. I assume I don't need a Axmouth and Branscombe lawyer on the Aldermore panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your Aldermore mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Aldermore mortgage from the register. Aldermore, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Aldermore has sent the Land Registry the discharge electronically, and
3. Aldermore has instructed the Land Registry to do so

A colleague recommended that where I am buying in Axmouth and Branscombe I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is sometimes quoted for as part of the standard Axmouth and Branscombe conveyancing searches. It is a large report of about 40 pages, listing and detailing significant information about Axmouth and Branscombe around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful information regarding Axmouth and Branscombe.

I've found a house that appears to be perfect, at a great figure which is making it all the more appealing. I have since been informed that it's a leasehold as opposed to freehold. I am assuming that there are issues buying a house with a leasehold title in Axmouth and Branscombe. Conveyancing advisers have not yet been instructed. Will my lawyers set out the implications of buying a leasehold house in Axmouth and Branscombe ?

The majority of houses in Axmouth and Branscombe are freehold rather than leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can assist with the conveyancing process. it is apparent that you are purchasing in Axmouth and Branscombe in which case you should be looking for a Axmouth and Branscombe conveyancing practitioner and be sure that they are used to transacting on leasehold houses. First you will need to check the unexpired lease term. As a tenant you will not be entirely free to do whatever you want to the property. The lease comes with conditions such as obtaining the freeholder’spermission to carry out changes to the property. It may be necessary to pay a contribution towards the maintenance of the estate where the property is part of an estate. Your lawyer should advise you fully on all the issues.

Axmouth and Branscombe Conveyancing for Leasehold Flats - Examples of Queries before Purchasing

How is the lease structured? Plenty Axmouth and Branscombe leasehold apartments will have a service bill for the upkeep of the building invoiced on behalf of the landlord. If you buy the flat you will have to pay this contribution, normally periodically during the year. This could differ from a couple of hundred pounds to thousands of pounds for bigger purpose-built blocks. There will also be a ground rent for you to pay annual, this is usually not a large amount, say approximately £25-£75 but you need to enquire as sometimes it could be many hundreds of pounds. How many of the leaseholders are in arrears for their service charge payments?