We hired a Charlton based solicitor for our conveyancing in Charlton today. After carefully reading the official terms of business it is apparent thatI am responsible for costs even if the dealfalls through. Should I ditch them and appoint a web based firm offering no move no charge conveyancing in Charlton?

Generally there is a concession along the lines that if "No Completion No Fee" is available then the conveyancing charges will generally be uplifted to cover the transactions that do not go ahead. Please beware that such arrangements rarely protect you from disbursements by way of example Charlton conveyancing search charges.

I require conveyancing for a flat in a relatively new development (seven years old) in Charlton. Almost all the appartments are already occupied. Do I need carry out the local searches for my conveyancing in Charlton?

You are taking a significant risk in refusing to carrying out Charlton conveyancing searches. Without searches you have no clarity over flooding, environmental etc which may mean you walk away due to potential problems down the line. If you are buying mortgage free there is no legal requirement to have them, but we would seriously advise in the strongest possible terms that your conveyancer conducts them. Where timings and driving down costs are primary issues you should consider with your conveyancer about the viability of search insurance

I am looking for a leasehold apartment up to £195,000 and identified one round the corner in Charlton I like with a park and transport links nearby, however it only has 49 years on the lease. I can't really find anything else in Charlton suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?

If you require a home loan that many years will likely be an issue. Discount the offer by the expected lease extension will cost if not already taken into account. If the existing owner has owned the property for a minimum of 2 years you can request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this.

I need to retain a conveyancing solicitor for residential conveyancing in Charlton. I happened to land on a site which seems to have the ideal offering If there is a chance to get all the legals completed via email that would be preferable. Should I be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

Me and my partner are buying a four bedroom flatin Charlton with a loan from a lender. We have selected a lawyer in Charlton yet our bank advise he's not on their "panel". It seems we have little choice but to instruct from the our mortgage company panel firms or stay with our Charlton solicitor and incur the extra costs for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?

No, not really. The lender mortgage issued is subject to its terms and conditions, one of which will be that lawyers will on the mortgage company's conveyancing panel. Until recently, most mortgage companies had large numbers of law firms on their panels, including most conveyancing solicitors in Charlton : a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for your bank.