I am obtaining a mortgage with Nat West. I hope to instruct a Licensed Conveyancer in Totland. Does the Nat West Conveyancing panel allow for Licensed Conveyancers?

The Nat West conveyancing panel is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

I have 7378 less than 75 years left on my lease and require a lease extension for my apartment in Totland. Conveyancing solicitors on the Accord Mortgages panel can deal with such extensions correct?

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 4/12/2025 the requirements read as follows :

I am purchasing a house and the conveyancer has identified Chancel Repair for which the property may be liable given it’s proximity to the area of such a church. She has recommended insurance. Is this really appropriate for conveyancing in Totland

Unless a previous acquisition of the property completed after 12 October 2013 you may assume that lawyers handling conveyancing in Totland to remain encouraging a chancel search and or insurance against a claim.

Yesterday I discovered that there is a flying freehold issue on a house I have offered on last month in what was supposed to be a simple, no chain conveyancing. Totland is where the house is located. Can you offer any opinion?

Flying freeholds in Totland are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Totland you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Totland may determine 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 residence.

I've found a house that appears to be perfect, at a great figure which is making it all the more appealing. I have subsequently found out that it's a leasehold as opposed to freehold. I would have thought that there are issues buying a leasehold house in Totland. Conveyancing solicitors have are about to be instructed. Will they explain the issues?

Most houses in Totland are freehold rather than leasehold. This is one of the situations where having a local conveyancer who is familiar with the area who can help the conveyancing process. We note that you are buying in Totland in which case you should be shopping around for a Totland conveyancing practitioner and check that they have experience in advising on leasehold houses. First you will need to check the unexpired lease term. As a leaseholder you will not be at liberty to do whatever you want to the property. The lease will likely included provisions such as requiring the freeholder’sconsent to carry out alterations. You may also be required to pay a service charge towards the maintenance of the estate where the house is part of an estate. Your conveyancer will advise you fully on all the issues.

Leasehold Conveyancing in Totland - Sample of Questions you should ask Prior to Purchasing

How is the lease structured? How many years remain on the lease? For many Totland leaseholds the cost for major works are not built into the maintenance charges, albeit that there some managing agents in Totland ask leaseholders to pay into a reserve fund and this is used to offset against major works.