A mortgage offer from NatWest for the refinancing of my single room apartment is expected within the next few days. Are you able to recommend a low cost conveyancing lawyer in St Margarets?

You are on the wrong site if you are seeking cut-price fees for conveyancing in St Margarets. Our aim is to provide excellent value conveyancing but our intention is not to advertise as being the cheapest. Avoid the trap of appointing brokers seducing you with £99 conveyancing in St Margarets.The optimum result, in deciding on cheap conveyancing, you will get your money’s worth and at worst you will end up being stung for extras and still not receive the service expected.

I am the registered owner of a freehold premises in St Margarets yet invoiced for rent, why is this and what is this?

It’s unusual for properties in St Margarets and has limited impact for conveyancing in St Margarets but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the establishment of fresh rentcharges from 1977 onwards.

Previous rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 is to be extinguished.

I purchased a terraced Georgian property in St Margarets. Conveyancing practitioner acted for me and . I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, another for leasehold with the matching property. I thought I was buying a freehold how can I check?

You need to 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in St Margarets 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 enquire as to the position with the conveyancing solicitor who conducted the purchase.