As a FTB what is the most important number one tip you can give me about purchase conveyancing in Pershore?

You may not hear this from too many lawyers but conveyancing in Pershore and elsewhere in Worcestershire is an adversarial experience. In other words, when it comes to conveyancing there exists an abundance of room for friction between you and other parties involved in the transaction. For example, the seller, property agent and sometimes a mortgage company. Choosing a solicitor for your conveyancing in Pershore should not be taken lightly as your conveyancer is your adviser, and is the ONLY party in the transaction whose role it is to act in your legal interests and to protect you.

On occasion a potential adversary may attempt to convince you that it is in your interests to do things their way. For instance, the estate agent may claim to be assisting by suggesting your solicitor is dragging his heels. Or your financial adviser may tell you to do take action that is contrary to your lawyers advice. You should always trust your lawyer above all other parties in the conveyancing process.

Me and my brother purchased a terraced Victorian house in Pershore. Conveyancing lawyer represented me and HSBC Bank. I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?

You should 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 Pershore and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with the conveyancing lawyer who conducted the conveyancing.

I am buying a new build apartment in Pershore. Conveyancing is daunting 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 are examples of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Pershore

The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please supply a car parking plan. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents.

I am looking for a leasehold apartment up to £305k and found one near me in Pershore I like with a park and transport links in the vicinity, the downside is that it only has 61 remaining years left on the lease. I can't really find anything else in Pershore suitable, so just wondered if I would be making a grave error buying a lease with such few years left?

Should you need a mortgage the remaining unexpired lease term will be an issue. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the existing proprietor has owned the property for a minimum of 2 years you could ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should consult your conveyancing lawyer concerning this matter.

My wife and I have selected a Pershore conveyancing solicitor for our home move (first time buyers) and have spotted in the engagement letter that they are not regulated by the Financial Conduct Authority. Need I be concerned or is that usually the case with solicitor?

We can't see why they should be. Most property lawyer don't lend money. You should check that they are regulated by the Solicitors Regulation Authority, who dictate strict stipulations in relation to amounts deposited on client account.