My mortgage company has recommended a law firm on their panel based in Long Itchington but I would rather choose a conveyancing lawyer in Long Itchington local to me. Are you able to assist?

Not all Long Itchington conveyancing firms are approved and listed on all banks conveyancing panel. Use the above find an approved solicitor tool to locate a Long Itchington conveyancing firm on the on the lender panel.

I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to take this when buying a residence in Long Itchington? or I am told that there is an ancient law that could mean that owners of property living in a parish church boundary will be compelled to pay for maintenance to the chancel within the church. Is this appropriate for conveyancing in Long Itchington?

Unless a prior purchase of the house took place after 12 October 2013 you may assume that solicitors conducting conveyancing in Long Itchington to continue to suggest a chancel search and or chancel repair liability policy.

I purchased a semi-detached Edwardian property in Long Itchington. Conveyancing lawyer represented me and Chelsea Building Society. I did a free Land Registry search last week and there are a couple of entries: the first freehold, another for leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?

You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Long Itchington and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with your conveyancing practitioner who conducted the work.

I have been on the look out for a flat up to £245,000 and identified one near me in Long Itchington I like with open areas and station in the vicinity, the downside is that it's only got 52 years unexpired on the lease. There is not much else in Long Itchington for this price, so just wondered if I would be making a mistake buying a lease with such few years left?

If you require a mortgage the shortness of the lease may be an issue. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the premises for at least 2 years you can request that they start the process of the extension and pass it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should speak to your conveyancing lawyer regarding this matter.

Our property lawyer in Long Itchington has informed me that he requires personal identification documents saying that this forms part of his legal duty as a solicitor on the mortgage company Solicitor panel. Is this right?

Anti-terror and anti-money-laundering rules require Long Itchington conveyancing solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that the mortgage company also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with the mortgage company's UK Finance Lenders’ Handbook requirements