Our Mottingham lawyer has spotted a discrepancy between the surveyor’s assumptions in the home valuation report and what is revealed within the title deeds. My lawyer has advised that he is duty bound to check that the bank is with this discrepancy and is still content to lend. Is my lawyer’s approach right?

Your must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

We are buying a house and the conveyancer has referenced Chancel Repair for which the property may be obligated to contribute to given it’s proximity to the area of such a church. He has mentioned insurance. Is this strictly warranted for conveyancing in Mottingham

Unless a previous acquisition of the house completed post 12 October 2013 you may assume that conveyancing practitioners carrying out conveyancing in Mottingham to remain recommending a chancel search and or insurance against a claim.

Yesterday I discovered that there is a flying freehold element on a property I have offered on a fortnight ago in what should have been a simple, no chain conveyancing. Mottingham is where the house is located. Can you shed any light on this issue?

Flying freeholds in Mottingham are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Mottingham you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Mottingham may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

Am I better off to choose a Mottingham conveyancing practitioner based in the location that I am hoping to buy? I have an old university friend who can carry out the legal work however they are based 300kilometers drive away.

The benefit of a high street Mottingham conveyancing firm is that you can pop in to sign documents, present your ID and apply pressure on them if necessary. They will also have local intelligence which is a plus. That being said nothing is more important than finding someone that will pull out all the stops for you. If if people you trust used your friend and in the main were content that should trump using an unfamiliar Mottingham conveyancing solicitor just because they are local.

Leasehold Conveyancing in Mottingham - A selection of Questions you should consider Prior to buying

If a Mottingham lease has less than 80 years it will affect the marketability of the property. It is worth checking with your bank that they are willing to to proceed given the lease term. Leases with less than 80 years remaining means that you will probably have to extend the lease sooner rather than later and you need to have some idea of what this will be. For most Mottinghamlease extensions you would be be obliged to have owned the property for a couple of years before you are eligible to exercise a lease extension. Is the freehold owned jointly by the tenants?