I plan on buying a flat in Haverhill. My property lawyer has never been on on the mortgage company conveyancing panel. Is it possible for me to use my Haverhill conveyancing solicitor even though they are not on the lender panel of approved conveyancing solicitors?

You have a couple of choices open to you here

• Proceed with your chosen Haverhill but your mortgage company will undoubtedly instruct a from their conveyancing panel. This will result in additional fees together with likely interruption.
• Choose a new to conduct the conveyancing, making sure they are on the mortgage company conveyancing panel.
• Appeal to your to attempt to join the lender panel

We wanted to use a conveyancing solicitor in Haverhill for our house move. Our broker informed us that our mortgage company won't deal with them. Why is this not regarded as unduly restrictive?

Pre- 2008 most mortgage companies had a different appetite for risk. Almost all Haverhill conveyancing firms would have been on most mortgage company panels. The FSA in 2010 completed a thematic review into mortgage fraud which come to the conclusion: know the conveyancing solicitors dealt with. Consequently, mortgage companies have regularly sought more information from law firms relating to their operations and the individuals who work for them and establishing certain criteria such a completing on a minimum amount of conveyancing. Many Haverhill conveyancing firms that have been excluded from lender panels have a 100% healthy track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Haverhill is one of the numerous areas where the lawyers we list are members of the panel for .

Despite weeks of looking the Title Certificate and documents to my property are lost. The solicitors who conducted the conveyancing in Haverhill 4 years ago are no longer around. Will I be able to sell the house?

Gone are the days when you need to hold title original deeds to evidence that you are the owner of your registered land or property, as the Land Registry have everything they need in a digital format.

About to purchase a new build flat in Haverhill. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Haverhill

Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Forfeiture - bankruptcy or liquidation must not apply under this provision.

Due to the guidance of my in-laws I had a survey completed on a property in Haverhill before retaining solicitors. I have been informed that there is a flying freehold element to the house. The surveyor advised that some lenders will refuse to issue a loan on such a house.

It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. If you call us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Haverhill. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Haverhill to see if the conveyancing will be more expensive.