We have agreed to purchase a house in Coxhoe. One unusual aspect is that the roof has a solar panel. have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that you are obtaining a mortgage with your lawyer must follow the formal instructions outlined in Part 2 of UK Finance Lenders’ Handbook for . The CML Handbook stipulates minimum conditions for solar panel roof-space leases, and are required to report to where a lease does not comply with these provisions. The specifications relate to the installation of panels on properties countrywide and is not limited to Coxhoe.

Completion of my purchase has taken place for my property in Coxhoe. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?

Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

I can not fathom if my lender requires a lease extension. I have called my Coxhoe building society branch on numerous occasions and was reassured it wasn't an issue and they will lend. My Coxhoe conveyancing solicitor - who is on the lender conveyancing panel- called to say that they refuse to lend based on their specific requirements. Who do I believe?

Provided that the is on the lender approved list, they must adhere to the Council of Mortgage Lenders’ Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.

We are purchasing a property and the solicitor has identified Chancel Repair for which the property may be liable given it’s proximity to the area of such a church. She has suggested insurance. Is this really required for conveyancing in Coxhoe

Unless a prior purchase of the premises took place post 12 October 2013 you may expect solicitors delivering conveyancing in Coxhoe to remain recommending a chancel search and or chancel repair liability insurance.

Over the last few months I have been searching for a flat up to £235,500 and found one round the corner in Coxhoe I like with amenity areas and transport links nearby, however it's only got 61 remaining years left on the lease. There is not much else in Coxhoe in this price bracket, so just wondered if I would be making a mistake purchasing a short lease?

Should you require a home loan that many years will likely be a potential deal breaker. Reduce the offer by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the property for at least twenty four months you could request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease term with a zero ground rent applied. You should consult your conveyancing solicitor about this matter.

Is it simple use your search app to choose a conveyancing lawyer in Coxhoe on the panel for my lender?

Step one is to select a lender such as , or then specify your preferred area a common one being Coxhoe. Conveyancing practices in Coxhoe and further afield should be shown.

My solicitors in Coxhoe have advised me that they can not locate my conveyancing file. To assist with my purchase I took out a mortgage with the bank. Is it case that being on the bank conveyancing panel they need to have retained the file for a prescribed period?

Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the bank Conveyancing Panel Terms. It might be worth you contacting the lender directly.