My uncle passed away 10 months ago and as sole heir and executor I was left the property in St Mawes. The house had a small mortgage left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to , pay off the mortgage. Is this allowed?

Where you intend to refinance then will require that you use a conveyancer on the conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the mortgage is registered as a charge at the Land Registry.

I am buying a property in St Mawes. An unusual aspect is that the roof has a solar panel. have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that you are obtaining a mortgage with your lawyer must check the conveyancing instructions outlined in Part 2 of UK Finance Lenders’ Handbook for . The Council of Mortgage Lenders’ Handbook stipulates minimum specifications for solar panel roof-space leases, and are required to report to where a lease fails to meet these conditions. The requirements relate to the installation of panels on properties in England and Wales and is not restricted to St Mawes.

Completion of my remortgage has taken place for my property in St Mawes. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?

All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

Intending to buy a apartment in St Mawes. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the St Mawes is on the conveyancing panel.

Despite weeks of looking the Title Certificate and documents to my home are lost. The conveyancers who conducted the conveyancing in St Mawes years ago are no longer around. Will I be able to sell the house?

You no longer need to hold title original deeds to evidence that you own the land or property, given that the Land Registry hold details of all registered land or property electronically.

We're new on the property ladder - agreed a price, but the estate agent told us that the owners will only issue a contract if we instruct their recommended conveyancers as they need an ‘expedited deal’. We would rather use a high street solicitor accustomed to conveyancing in St Mawes

We suspect that the owner is unaware of this ultimatum. Should the seller desire ‘a quick sale', taking such a hostile approach to a motivated purchaser is is going to put the whole deal at risk. Speak to the vendors direct and make sure they comprehend that (a)you are motivated buyers (b)you are excited to move forward, with mortgage lined up © you have nothing to sell (d) you intend to proceed fast (e)however you are going to appoint your preferred St Mawes conveyancing firm - as opposed tothose that will earn the estate agent a referral fee or hit his conveyancing thresholds demanded by head office.

Estate agents have just been given the go-ahead to market my basement apartment in St Mawes. Conveyancing is yet to be initiated, however I have recently had a quarterly maintenance charge invoice – should I leave it to the buyer to sort out?

It best that you pay the invoice as usual given that all rents and service charges will be apportioned as part of the financial calculations for completion monies, so you should recover the relevant percentage by the purchaser for the period running from after the completion date to the subsequent invoice date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

Leasehold Conveyancing in St Mawes - Examples of Queries before buying

This information is helpful as a) areas could cause problems in the block as the communal areas may start to deteriorate where repairs remain unpaid b) if the tenants have a dispute with the running of the building you will need to have complete disclosure What is the service charge and ground rent on the apartment? Generally speaking the outlay for major works are not included within service charges, albeit that there some managing agents in St Mawes ask leaseholders to pay into a reserve fund created for the specific intention of building a fund for larger repairs or maintenance.