Me and my partner are planning to buy a 2 bedroom flat in Lostwithiel with a mortgage. We would like to retain our Lostwithiel conveyancer, but the mortgage company says she’s not on their "panel". It appears that we have no option but to use one of the mortgage company panel firms or keep our Lostwithiel lawyer as well as pay for one of their panel ones to act for them. This seems very unfair; are we not able to require that the lender use our Lostwithiel lawyer ?

Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Lostwithiel conveyancing lawyer to apply to be on the conveyancing panel.

Me and my brother have a semi-detached Georgian property in Lostwithiel. Conveyancing solicitor represented me and Norwich and Peterborough Building Society. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold under the matching property. I thought I was buying a freehold how can I check?

You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Lostwithiel and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the position with the conveyancing practitioner who conducted the purchase.

Over the last few months I have been searching for a leasehold apartment up to £245,000 and identified one round the corner in Lostwithiel I like with amenity areas and railway links in the vicinity, the downside is that it only has 52 remaining years left on the lease. There is not much else in Lostwithiel suitable, so just wondered if I would be making a grave error purchasing a lease with such few years left?

If you require a mortgage that many years will likely be a potential deal breaker. Reduce the price by the amount the lease extension will cost if not already taken into account. If the current owner has owned the property for at least 2 years you can ask them to start the process of the extension and pass it to you. You can add 90 years to the current lease with a zero ground rent applied. You should speak to your conveyancing solicitor about this.

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At this site obtain a fixed fee quote from a Solicitor or Licensed Conveyancer that understands the nuances of your conveyancing in Lostwithiel. As opposed to estate agents and many comparison sites we are not in the business of charging firms a commission if you select them for your home move in Lostwithiel

Should I stop the direct debit for my mortgage with Kent Reliance once a completion date for my home sale in Lostwithiel has been set?

You would be well advised to maintain paying any mortgage sums to Kent Reliance pending the mortgage being paid off on completion as part of your Lostwithiel conveyancing.