Me and my wife are purchasing a ground floor flat in Kentish Town. My Solicitor has never been on on the mortgage company solicitor panel. Am I still permitted to continue with my Kentish Town conveyancing solicitor even though they are excluded from the mortgage company panel of approved conveyancing solicitors?

One will need to instruct a lawyer to deal with the formalities if you take out a mortgage to buy your property. The conveyancer will carry out all the appropriate legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the required mortgage paperwork is dealt with. One may instruct a Kentish Town solicitor of your choosing. Nevertheless, if the lawyer selected is not a member of the bank approved list supplemental fees will be levied as separate legal representation will be required by them. Lender panel applications may be submitted, so provided your solicitor has not historically applied for membership they can do so.

I am purchasing a flat and need a conveyancing solicitor in Kentish Town who is on the Accord Mortgages Ltd solicitor. Can you recommend a local solicitor?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Accord Mortgages Ltd in certain locations such as Kentish Town. We dont recommend any particular firm.

I am the sole recipient of my late mum's estate and I have everything in my name alone, including the house in Kentish Town. The Kentish Town property was put into my name in October. I want to move. I do know about the Mortgage Lenders 6 month 'rule', which means that my property ownership may be considered the same way as though I had purchased the house in October. Is the property unsalable for six months?

The Council of Mortgage Lenders’ handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be impacted by that. Some mortgage companies would take a sensible view as this clause is primarily there to capture the purchase and immediately sell or the flipping of properties.

I recently had an offer agreed on a house in Kentish Town. My mortgage broker pressured me to appoint their solicitor. I paid an advanced payment of £225. Not long after, the conveyancing practitioner called me embarrassingly acknowledging that they were not on the UBS conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the UBS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

Virgin Money have agreed my home loan in principle, my offer on a flat in Kentish Town has been accepted, what are the next steps?

Your property agent will wish to know who your solicitors are (be sure the solicitors are on the bank’s approved list). Call up Virgin Money or the broker and finish off any relevant paperwork. Virgin Money will instruct a valuer who will get in contact with the selling agent or seller to schedule a slot for the valuation to occur. Once carried out (assuming no problems) it takes approximately a fortnight to get a mortgage offer. Virgin Money will send the offer to you and your lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Kentish Town.

Just had an offer accepted on a new build flat in Kentish Town. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below is a sample of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Kentish Town

Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Forfeiture - bankruptcy or liquidation must not apply under this provision. Please provide evidence that the form of Lease proposed has been approved by the Land Registry.

Due to the input of my in-laws I had a survey completed on a property in Kentish Town in advance of appointing solicitors. I have been informed that there is a flying freehold overhang to the house. My surveyor advised that some banks may not issue a mortgage on a flying freehold home.

It varies from the lender to lender. HSBC has different requirements for example to Nationwide. If you contact us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Kentish Town. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Kentish Town to see if the conveyancing will be more expensive.