My lawyer has uncovered a a problem with the lease for the apartment we are purchasing in Chantry. The other side have suggested defective title insurance as a workaround. We are happy with insurance and will pay for it. Our conveyancing practitioner has advised that he must be satisfied that the lender is happy with this solution. Who is the client here, us or the mortgage company ?

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

As someone not used to conveyancing in Chantry what is your top tip you can give me concerning the legal transfer of property in Chantry

Not many law firms shout this from the rooftops but conveyancing in Chantry and elsewhere in Suffolk is an adversarial experience. Put another way, when it comes to conveyancing there is an abundance of room for confrontation between you and others involved in the transaction. For instance, the seller, property agent and sometimes the mortgage company. Choosing a solicitor for your conveyancing in Chantry should not be taken lightly as your conveyancer is your adviser, and is the SOLE party in the process whose role it is to act in your legal interests and to protect you.

There is a definite increase of a "blame" culture- someone has to be at fault for the process taking so long. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.

I am helping my niece sell her property in Chantry. Does the conveyancer arrange an energy assessment or it is for the owner to see to?

After the abolition of Home Information Packs, EPC’s was retained a required component of moving house. An energy assessment should be commissioned in advance of the property being marketed. It is not something that lawyers normally arrange. Where you are instructing a Chantry conveyancing lawyer they might be willing to arrange energy assessments given their contacts with long established local energy assessors

Is there a list of Virgin Money panel conveyancers in Chantry on the Building Society Association’s Website?

Unfortunately not yet. There is no such facility on the CML or Building Society Association sites. Very few lending institutions make their panel listings open the public online. If you are looking for a Chantry property lawyer on the Virgin Money please make the most of our facility.

I have instructed a Chantry conveyancing practitioner having checked that they are on the Principality conveyancing panel. Does my lawyer arrange the survey of the property?

Principality will need an independent valuation of the property. Your lawyer will not arrange this. Usually Principality 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 Chantry 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.

I used Action Conveyancing a few years past for my conveyancing in Chantry. Now, I need the files however the law firm is no longer operating. What do I do?

You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Chantry of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

What makes a Chantry lease unacceptable for security purposes?

Leasehold conveyancing in Chantry is not unique. Most leases are drafted differently and legal mistakes in the legal wording can result in certain clauses are erroneous. The following missing provisions could result in a defective lease:

Service charge per centages that don't add up correctly leaving a shortfall Clauses dealing with recovering service charges for expenditure on the building or common parts.

A defective lease will likely cause problems when trying to sell a property primarily because it impacts on the ability to obtain a mortgage on the property. Yorkshire Building Society, Skipton Building Society, and TSB all have express requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease does not cover certain provisions they may refuse to grant the mortgage, obliging the purchaser to pull out.

Leasehold Conveyancing in Chantry - A selection of Questions you should ask before Purchasing

The answer will be useful as a) areas can cause problems for the block as the communal areas may start to deteriorate if maintenance are not paid for b) if the tenants have an issue with the running of the building you will wish to have all the details What restrictions exist in the Chantry Lease?