Finally, a mortgage agreement from Santander for the remortgage of my 2 room maisonette is coming within the next few days. Can you propose a cheap conveyancing law firm in Chantry?

You have come to the wrong place to search for the lowest fares for conveyancing in Chantry. We can offer you value for money conveyancing but our intention is not to advertise as being the cheapest. Avoid the trap of appointing organisations seducing you with £99 conveyancing in Chantry. At best, in going for cheap conveyancing, you will end up with what you pay for and at worst it will result in you invoiced for extras and still not receive the service you were hoping for.

I am the registered owner of a freehold premises in Chantry but nevertheless invoiced for rent, why is this and what is this?

It is rare for properties in Chantry and has limited impact for conveyancing in Chantry but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the generation of fresh rentcharges from 1977 onwards.

Old rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 will be extinguished.

I am the sole beneficiary of my late father’s estate with all property in now in my sole name, including the house in Chantry. Conveyancing formalities meant that the Land Registry date was in . I want to move. I do know about the Mortgage Lenders 6 month 'rule', meaning my proprietorship may be considered the same way as though I had purchased the house in . Do I have to wait half a year to sell?

The Council of Mortgage Lenders’ handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be affected by that. How sensible a view mortgage companies take of it, depend on the mortgage company as this clause primarily exists to capture subsales or the quick reselling of properties.

I am currently in the process of buying my council flat in Chantry. I have a mortgage agreed with . Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with , you will need to appoint a solicitor on the conveyancing panel.

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

will need an independent valuation of the property. Your lawyer will not arrange this. Usually 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. Your will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Chantry postcode. As you are getting a mortgage with , you could contact them to see if they have a list of approved surveyors in Chantry.

I've recently found out that there is a flying freehold issue on a house I put an offer in last month in what was supposed to be a straight forward, chain free conveyancing. Chantry is the location of the property. Is there any advice you can give?

Flying freeholds in Chantry are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Chantry you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chantry may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

Given that I will soon part with 450k on a house in Chantry I would like to have a conversation with the solicitor concerning thehome move before giving the go ahead to the firm. Can this be arranged?

We could not agree more - we would be happy to talk to you we do not take any clients on without you liaising with the solicitor due to be carrying out your conveyancing in Chantry.There is no ‘factory style conveyancing’ - each client is unique person, not a file reference. The law firms that we put you in touch with believe that the figure you are quoted for residential conveyancing in Chantry should be the figure that you are charged.