My Faringdon lawyer has discovered a difference when comparing the assumptions in the valuation report and what is revealed within the title deeds. My solicitor has advised that he is obliged to check that the lender is OK with this discrepancy and is content to go ahead. Is my solicitor’s stance legitimate?

Your solicitor must comply with the UK Finance Lenders’ Handbook requirements which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.

Can you explain why leasehold purchase conveyancing in Faringdon is more expensive?

Faringdon leasehold conveyancing transactions usually involve additional investigations than freeholds including investigating the Lease, liaising with the Landlord such as serving relevant notices on the Landlord or managing agent, obtaining up-to-date service charge and management information, obtaining Landlord’s consents and reviewing management accounts and formation documents.

I am considering applying for a TSB mortgage for purchase of a newly converted (under development) in Faringdon with 65 per cent loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for TSB ?

There is nothing to stop you using your solicitor, but TSB will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.

How easy is it to use your search app to select a conveyancing practitioner in Faringdon on the approved list for my lender?

First choose a lender such as HSBC Bank, Bank of Scotland or Nottingham Building Society then specify your preferred area for example Faringdon. Conveyancing organisations in Faringdon and across England and Wales will then be listed.

A licensed conveyancer acted on my conveyancing in Faringdon half a dozen years ago and was holding my deeds but has since been shut down – What can I do to retreive these?

Deeds, as such, no longer exist as the majority of homes in Faringdon are recorded electronically at Land Registry. Where you need to establish evidence of proprietorship or are disposing of or refinancing your property lawyer can obtain up to date copies of the register from the Land Registry in any case.

If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.