I have today made my last payment due on my mortgage with . I assume I don't need a Kenilworth on the panel to remove the mortgage at the Land Registry. Am I right?

If you have finished paying off your mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the mortgage from the register. , and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where has sent the Land Registry the discharge electronically, and
3. has instructed the Land Registry to do so

My offer was accepted on a property in Kenilworth on , valuation was booked 2 days after, received a clean bill of health. Conveyancer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the conveyancing panel. Can the lender hold off the offer?

Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for to deal with your lawyer's application to be on the conveyancing panel. There's no guarantee that your solicitor will be accepted.

have agreed my home loan in principle, my offer on a apartment in Kenilworth has been accepted, now what?

Your estate agent will want to know who your solicitors are (make sure the are on the lender’s approved list). Contact or your broker and complete any appropriate documentation. will instruct a valuer who will get in touch with the selling agent or vendor to book an appointment. Once carried out (assuming no problems) it takes approximately a fortnight to receive the mortgage offer. will issue the offer to you and your . The transaction will then take it’s course according the nature and complexity of the conveyancing in Kenilworth.

The deeds to our home are lost. The conveyancers who did the conveyancing in Kenilworth 10 years ago are no longer around. What do I do?

Assuming you have a registered title the information relating to your ownership will be evidenced by HMLR under a Title Number. It is easy to carry out a search at the Land Registry, find your house and secure current copies of the Registered Entries for less than a fiver. Where the property is Leasehold then the Land Registry will usually retain a certified copy of the Registered Lease and again, a copy can be retrieved for twenty pounds.

Over the last few months I have been searching for a leasehold apartment up to £235,500 and identified one close by in Kenilworth I like with open areas and railway links in the vicinity, the downside is that it only has 51 years unexpired on the lease. There is not much else in Kenilworth in this price bracket, so just wondered if I would be making a grave error buying a short lease?

Should you need a home loan the remaining unexpired lease term will likely be an issue. Discount the offer by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the property for at least twenty four months you may request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should consult your conveyancing lawyer about this.

I am looking into buying my first house which is in Kenilworth and I am already nervous. I couldn't find anything specific about Kenilworth. Conveyancing will be needed in due course but do you know about the Kenilworth area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Kenilworth. In the meantime here are some basic statistics that we found

I have just started marketing my garden flat in Kenilworth. Conveyancing has not commenced, however I have recently had a half-yearly service charge demand – Do I pay up?

The sensible thing to do is pay the invoice as normal because all rents and maintenance invoices should be apportioned as part of the financial calculations for completion monies, so you will be reimbursed by the purchaser for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

I own a 1st floor flat in Kenilworth, conveyancing was carried out 3 years ago. Can you let me have an estimated range of the fair premium for a lease extension? Equivalent flats in Kenilworth with an extended lease are worth £165,000. The average or mid-range amount of ground rent is £45 yearly. The lease ceases on 21st October 50

With just 50 years unexpired we estimate the premium for your lease extension to span between £36,100 and £41,800 as well as plus your own and the landlord's "reasonable" professional fees.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you the actual costs in the absence of detailed investigations. You should not use the figures in a Notice of Claim or as an informal offer. There may be additional concerns that need to be taken into account and you obviously should be as accurate as possible in your negotiations. You should not move forward based on this information without first getting professional advice.