I do hope you can assist me. My Fratton and Portsea solicitor is informing me me that he has toconduct Fratton and Portsea conveyancing searches becausethe firm are on the HSBCconveyancing panel. These Fratton and Portsea searches cost a lot of money can this be avoided?

Unfortunately both you and your lawyer have little choice here. As you are taking a mortgage with a bank your solicitor has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the CML Handbook specifications . Even if you were a cash buyer you would be ill advised not to carry out Fratton and Portsea conveyancing searches.

My bid for a property was accepted at auction in Fratton and Portsea. Conveyancing is necessary. What are my next steps?

Having legally committed yourself to purchase you must retain a conveyancing lawyer soon as you will have a tight a drop dead date to complete the purchase. An auction property will have a bespoke auction set of papers. This should include evidence of title and search results. If you have purchased leasehold property the conveyancing pack should include a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation specific to leasehold premises. You must hand this to your appointed conveyancing solicitor as soon as possible. Do make sure that your finances are in place to complete the transaction on the set completion date.

We previously selected conveyancing lawyers based in Fratton and Portsea on the Bank of Ireland solicitor approved list. They have just billed me a separate charge for the legal aspects of the Bank of Ireland mortgage. Is this an additional conveyancing fee set by Bank of Ireland?

Unfortunately, so long as it is in their Terms and Conditions or Quote then yes your conveyancer can charge a fee for this. This fee is not dictated by Bank of Ireland but by your Fratton and Portsea conveyancing practitioner. Numerous firms on the Bank of Ireland panel will levy an ‘acting for lender’ fee and others do not.

Planning on purchasing a apartment in Fratton and Portsea. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the HSBC conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Fratton and Portsea lawyer is on the HSBC conveyancing panel.

Are there restrictive covenants that are commonly identified during conveyancing in Fratton and Portsea?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Fratton and Portsea. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I am buying a new build flat in Fratton and Portsea. Conveyancing is necessary evil 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.

Here is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Fratton and Portsea

Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?

My conveyancing in Fratton and Portsea is completing this Friday, yet the owners I am buying from has asked to move out the next day at PM. Can I agree to this?

Where you are having a loan then your conveyancer will insist that the property isvacant on Friday - the lender will demand it.