Our solicitor has discovered a defect with the lease for the flat we are buying in Tavistock. The other side have suggested title insurance as a workaround. We are content with insurance and will cover the costs. Our conveyancing practitioner has advised that he must be satisfied that the mortgage company is happy with this solution. Who is the client here, us or the bank?

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

What is the first thing I need to know concerning purchase conveyancing in Tavistock?

Not many law firms shout this from the rooftops but conveyancing in Tavistock or throughout Devon is an adversarial process. In other words, when it comes to conveyancing there is plenty of opportunity for confrontation between you and others involved in the legal transfer of property. For instance, the vendor, estate agent and on occasion a bank. Choosing a solicitor for your conveyancing in Tavistock is a critical decision as your conveyancer is your adviser, and is the SOLE person in the transaction whose role it is to look after your legal interests and to keep you safe.

Every so often a potential adversary will try and sway you that it is in your interests to do things their way. For example, the selling agent may claim to be helping by suggesting your conveyancer is slow. Or your financial adviser may advise you to do something that is contrary to your conveyancers advice. You should always trust your lawyer above all other parties in the home moving process.

I require expedited conveyancing in Tavistock as I have an ultimatum to complete within 2 weeks. Luckily I do not require a mortgage. Is it possible to escape the need for conveyancing searches to save money and time?

If.Given you are not taking a home loan you have the choice not to have searches carried out although no law firm would advise that you don't. With plenty of history conveyancing in Tavistock the following are examples of issues that can be revealed and adversely impact market value: Refused Planning Applications, Outstanding Fees, Overdue Grants, Road Schemes,...

I am looking for a ground for flat up to £245,000 and found one close by in Tavistock I like with a park and transport links in the vicinity, the downside is that it only has 61 remaining years left on the lease. There is not much else in Tavistock suitable, so just wondered if I would be making a grave error acquiring a lease with such few years left?

If you need a mortgage the shortness of the lease will be problematic. Reduce the price by the expected lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of twenty four months you can ask them to start the process of the extension and pass it to you. You can add 90 years to the current lease with a zero ground rent applied. You should consult your conveyancing solicitor about this matter.

I have today placed an offer on an apartment in Tavistock and the mortgage adviser that we are dealing with suggested his solicitor. She quoted a thousand pounds including VAT and 3rd party costs. Does this sound reasonable?

Don't just go on 1 quote. You should seek like-for-like quotes for your conveyancing in Tavistock. Then select one that you trust and just as important, is on the approved panel of the bank that you have applied for a mortgage from.