Our lawyer has identified a defect with the lease for the property we are buying in Hurst Green. The seller’s lawyers have suggested defective title insurance as a workaround. We are happy with insurance and will cover the costs. Our solicitor has advised that he must check that the bank is happy with this solution. Who is the client here, us or the bank?

Notwithstanding that you have a mortgage offer from the mortgage company does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the mortgage company are the client. These conveyancing instructions must be adhered to.

Can I use your services to recommend a Conveyancing solicitor in Hurst Green even where I’m not purchasing or selling a house, for instance where I wish to acquire a shop in Hurst Green with a mortgage from Platform Home Loans Ltd?

The service is predominantly used to get a quote from domestic conveyancing solicitors in Hurst Green but we have set out towards the bottom of this page a few Hurst Green commercial conveyancing firms. You will need to enquire with the firm directly to check if they can also act for Platform Home Loans Ltd

Over the last few months I have been searching for a flat up to £245,000 and identified one close by in Hurst Green I like with amenity areas and station in the vicinity, the downside is that it only has 51 remaining years left on the lease. There is not much else in Hurst Green for this price, so just wondered if I would be making a mistake purchasing a lease with such few years left?

Should you require a mortgage the remaining unexpired lease term will likely be an issue. Reduce the offer by the anticipated lease extension will cost if not already taken into account. If the existing proprietor has owned the property for a minimum of twenty four months you could request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this.

We're first time buyers - had an offer accepted, yet the agent informed us that the owners will only issue a contract if we appoint their recommended solicitors as they want a ‘quick sale’. We would rather use a family conveyancer used to conveyancing in Hurst Green

We suspect that the owner is unaware of this requirement. Should the vendor require ‘a quick sale', alienating a motivated buyer is counter productive. Speak to the vendors direct and make sure they comprehend that (a)you are serious buyers (b)you are ready to progress, with finances in place © you are chain free (d) you wish to move quickly (e)however you are going to instruct your own,trusted Hurst Green conveyancing firm - not the ones that will provide the estate agent a introducer fee or meet his conveyancing figures pre-set by head office.

I have appointed a Hurst Green conveyancing solicitor for our home move (novice purchasers) and have spotted in the engagement letter that they are not overseen by the FCA. Should I be worried or is that standard with conveyancer?

We can't see why they should be. Most conveyancer don't lend money. You should check that they are regulated by the Solicitors Regulation Authority, who dictate specific obligations covering amounts sitting on client account.