Forgive me if this question is silly but I am unseasoned as FTB of a two bedroom flat in Spennymoor. Do I receive the keys to the premises on completion from my lawyer? If this is the case, I will instruct a High Street conveyancing solicitor in Spennymoor?

On the day of completion you do not need to attend the conveyancers office in Spennymoor. Conveyancing lawyers for you will arrange to send the purchase money to the owner’s conveyancers, and once they have received this, you will be called to receive the keys from the property Agents and move into your new home. This tends to happen between 1 and 3pm.

I'm in the process of looking at flats in Spennymoor and I am about to put in an offer. Should I already have a conveyancer in place at this point? I am planning to take a home loan with Co-operative.

You should start requesting conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their contact information on to the estate agent. Given that you are seeking a mortgage with Co-operative, make sure you remember to check that your lawyer is on the Co-operative conveyancing panel.

Skipton have agreed my mortgage in principle, my bid on a property in Spennymoor has been accepted, what happens next?

Your estate agent will need to be advised as to your property lawyer's details (be sure the lawyers are on the lender’s panel). Call up Skipton or the financial adviser and complete any outstanding paperwork. Skipton will instruct a valuer who will get in touch with the estate agent or seller to arrange a slot for the valuation to happen. Once conducted (assuming no problems) it takes about a week to receive the mortgage offer. Skipton will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Spennymoor.

I note that there are debates on Chancel Insurance on online forums. Do I need this when buying a residence in Spennymoor? or I am told that there is historic law that means some owners of property residing in a parish church boundary will be compelled to contribute towards maintenance to the chancel within the church. Is this appropriate for conveyancing in Spennymoor?

Unless a prior purchase of the house took place post 12 October 2013 you may expect lawyers carrying out conveyancing in Spennymoor to remain recommending a chancel search and or insurance against a claim.

I have recentlybecome aware that Action Conveyancing have closed. They conducted my conveyancing in Spennymoor for a purchase of a leasehold apartment 12 months ago. How can I be sure that my home is in my name in the name of the former proprietor?

The easiest method to see if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Spennymoor conveyancing specialists.

I've recently found out that there is a flying freehold element on a property I put an offer in two weeks back in what was supposed to be a straight forward, chain free conveyancing. Spennymoor is the location of the property. What do you suggest?

Flying freeholds in Spennymoor are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Spennymoor you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Spennymoor may ascertain 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 premises.

My husband and I have an offer in principle from Platform Home Loans Ltd who suggested we could borrow up to £400k. When do I need to appoint a solicitor for conveyancing? Spennymoor is where we plan to move to.

You can appoint a solicitor now so that the property lawyer can open the ledger so they can conduct the ID checks etc. If and when you wish them to start work you will be asked for a deposit normally approximately £225. That should generally be after you have the mortgage offer and survey results, nevertheless if you wish to speed matters you can get going quicker albeit risking some expense.