I do hope you can assist me. My Frinton On Sea conveyancer is assuring me that he has toconduct Frinton On Sea conveyancing searches asthe firm are on the Santanderconveyancing panel. Is my solicitor right?

Unfortunately both you and your lawyer have little choice here. As you are obtaining a mortgage with a lender your property lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to comply with the Council of Mortgage Lenders’ Handbook specifications . Even if you were a cash buyer you would be ill advised not to carry out Frinton On Sea conveyancing searches.

I own a freehold residence in Frinton On Sea but still invoiced for rent, why is this and what is this?

It is rare for properties in Frinton On Sea and has limited impact for conveyancing in Frinton On Sea 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 establishment of fresh rentcharges post 1977.

Previous rentcharges can now be extinguished by making a lump sum payment under the Act. Any rentcharges that are still in existence after 2037 will be dispensed with completely.

The deeds to our home can not be found. The lawyers who conducted the conveyancing in Frinton On Sea 4 years ago no longer exist. What are my options?

You no longer need to hold title deeds to evidence that you are the owner of your registered land or premises, as the Land Registry have everything they need in a digital format.

I've recently found out that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a simple, no chain conveyancing. Frinton On Sea is where the house is located. What do you suggest?

Flying freeholds in Frinton On Sea are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Frinton On Sea you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Frinton On Sea may ascertain 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 property.

I'm remortgaging my primary house to a BTL loan with Halifax and I will use the rest of the raised equity as a down payment on another house. The neighborhood we are looking at is Frinton On Sea. Will your lawyers be able to act for the two mortgage companies and link together the conveyances?

Do use our search tool on this page to ensure that the lawyers are on the relevant lender panels. On the basis that they are your solicitor will be able to simultaneously deal with the two deals but you should talk with you conveyancer and specify your desired outcome and requirements.