My mortgage broker says he needs my Earl Shilton law firm’s panel member for the Santander conveyancing panel. What is the best way to discover this. I have tried my local Earl Shilton office but they don't know it.

Have you tried contacting your Earl Shilton solicitor about this?. Most Earl Shilton conveyancing firms will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each lender.

I am considering applying for a Clydesdale mortgage for purchase of a newly converted (under development) in Earl Shilton with 60% LTV. Is it compulsory to choose a solicitor on the conveyancing panel for Clydesdale ?

There is nothing to stop you using your solicitor, but Clydesdale will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.

I opted to have a survey completed on a house in Earl Shilton before appointing lawyers. I have been advised that there is a flying freehold aspect to the house. Our surveyor advised that some mortgage companies may refuse to grant a loan on a flying freehold premises.

It depends who your proposed lender is. HSBC has different requirements for example to Birmingham Midshires. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Earl Shilton. Conveyancing will be smoother if you use a solicitor in Earl Shilton especially if they regularly deal with such properties in Earl Shilton.

We're first time buyers - agreed a price, yet the estate agent advised that the owners will only issue a contract if we use their recommended solicitors as they need a ‘quick sale’. My instinct tells me that we should use a family solicitor with experience of conveyancing in Earl Shilton

We suspect that the seller is unaware of this request. If they desire ‘a quick sale', taking such a hostile approach to a serious purchaser is not the way to achieve this. Speak to the owners direct and make sure they understand (a)you are keen to buy (b)you are ready to go, with finances arranged © you do not need to sell (d) you intend to proceed fast (e)but you will continue to instruct your preferred Earl Shilton conveyancing lawyers - not the ones that will earn the estate agent a kickback or meet his conveyancing targets demanded by head office.

I am hoping to sign contracts shortly on a basement flat in Earl Shilton. Conveyancing lawyers have said that they report fully within the next couple of days. What should I be looking out for?

The report on title for your leasehold conveyancing in Earl Shilton should include some of the following:

What remedies are open the freeholder should you are in breach of your lease terms? You should be informed what counts as a Nuisance as far as the lease is concerned You should know whether the lease permits you to change or upgrade anything in the property- you must know whether any restrictions relates to all alterations or limited to structural alteration, and whether licences for alterations is required Responsibility for maintaining the window frames How long the lease is. You should be advised as what happens when the lease expires, and informed of the importance of the 80 year mark

Earl Shilton Conveyancing for Leasehold Flats - Examples of Questions you should ask Prior to buying

Are any of leasehold owners in dispute over their service charge payments? You should be aware if it is fewer than eighty years it will affect the marketability of the flat. Check with your bank that they are content with remaining years on the lease. Leases with less than 80 years remaining means that you will most likely require a lease extension at some point and it is worth discovering what this will be. Remember, in most cases you will need to own the residence for a couple of years in order to be legally able to extend the lease. How much is the ground rent and service charge?