I am buying a flat in Romsey. My Conveyancer is not on the mortgage company solicitor panel. Is it possible for me to appoint my Romsey conveyancing solicitor notwithstanding that they are not on the mortgage company panel of approved conveyancing solicitors?

Your options include

• Carry on with your chosen Romsey property lawyer but your lender will no doubt instruct a property lawyer from their approved list. This will result in additional fees together with probable frustration.
• Appoint a fresh solicitor to conduct the conveyancing, ensuring that they are on the bank conveyancing panel.
• Appeal to your conveyancing practitioner to seek to join the bank panel

I am looking to buy a property and require a conveyancing solicitor in Romsey who is on the Bank of Ireland approved. Can you recommend a local conveyancing firm?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Bank of Ireland in certain locations such as Romsey. We dont recommend any particular firm.

We previously appointed conveyancers located in Romsey on the Kent Reliance solicitor approved list. They are now charging me a supplemental amount for the legal aspects of the Kent Reliance mortgage. Is this an additional conveyancing fee set by Kent Reliance?

Provided it is contained in their Terms of Engagement or Quote then yes your conveyancing practitioner may levy a fee for this. The fee is not set by Kent Reliance but by your Romsey conveyancing practitioner. Numerous firms on the Kent Reliance panel will charge ’dealing with mortgage’ fee and others do not.

We are getting a further advance on our home loan from Nottingham as we intend to carry out a loft conversion to our home in Romsey. Do we need to appoint a bricks and mortar Romsey solicitor on the Nottingham conveyancing panel to handle the legals?

Nottingham do not ordinarily require a member of their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Nottingham list.

My partner and I are in the throws of viewing apartments in Romsey and I am about to put in an offer. Is it too early to have a solicitor in place? I am planning to take a mortgage with Lloyds.

You should start obtaining 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 getting a mortgage with Lloyds, make sure you remember to check that your lawyer is on the Lloyds conveyancing panel.

I am purchasing a property and the solicitor has mentioned Chancel Repair for which the house may be obligated to pay given it’s proximity to the area of such a church. He has mentioned insurance. Is this strictly warranted for conveyancing in Romsey

Unless a prior purchase of the property took place post 12 October 2013 you may assume that conveyancing practitioners handling conveyancing in Romsey to remain encouraging a chancel search and or insurance against a claim.

I am on look out for some leasehold conveyancing in Romsey. Before I set the wheels in motion I require certainty as to the number of years remaining on the lease.

Assuming the lease is recorded at the land registry - and most are in Romsey - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

Romsey Conveyancing for Leasehold Flats - Examples of Questions you should ask Prior to buying

Many Romsey leasehold flats will be liable to pay a service bill for the upkeep of the building invoiced by the management company. Where you purchase the flat you will have to meet this contribution, normally quarterly during the year. This could be anything from a few hundred pounds to thousands of pounds for blocks with lifts and large communal grounds. There will also be a ground rent to be met yearly, this is usually not a large amount, say around £50-£100 but you need to enquire as sometimes it can be many hundreds of pounds. What is the service charge and ground rent on the flat? The answer will be important as a) areas can result in problems for the block as the communal areas may start to deteriorate where services remain unpaid b) if the leasehold owners have an issue with the running of the building you will wish to have all the details