My financial adviser has requested my Whittlesey law firm’s panel reference for the Nationwide conveyancing panel. Can you suggest how I obtain this. I have called my local Whittlesey office but they have not responded to me.

The sensible thing to do is ask for this information from your Whittlesey . They keep a central record lender panel numbers.

My husband and I are approaching an exchange on a flat in Whittlesey and my mum and dad have sent the 10% deposit to my . I am now advised that as the deposit has not come from me my needs to make a notification to my lender. I am advised that, in also acting for the mortgage company he must inform them that the balance of the purchase price is coming from anyone other than me. I informed the bank concerning my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?

Your is duty bound to check with mortgage company to ensure that they know that the balance of the purchase price is not from your own resources. Your solicitor can only disclose this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.

Various online forums that I have come across warn that are the number one cause of delay in Whittlesey house deals. Is this right?

The Council of Property Search Organisations (CoPSO) has noted the determinations of a review by MoveWithUs that conveyancing searches do not figure within the top 10 causes of delays in the conveyancing process. Local searches are not likely to feature in any delay in conveyancing in Whittlesey.

Over the last few months I have been searching for a leasehold apartment up to £195,000 and identified one close by in Whittlesey I like with amenity areas and transport links in the vicinity, the downside is that it only has 51 years on the lease. There is not much else in Whittlesey in this price bracket, so just wondered if I would be making a grave error buying a lease with such few years left?

If you require a home loan the shortness of the lease will be problematic. Discount the price by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the premises for a minimum of twenty four months you could ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing solicitor about this matter.

Whittlesey Conveyancing for Leasehold Flats - Examples of Questions you should consider before Purchasing

The prefered form of lease arrangement is a share of the freehold. In this scenario the leaseholders benefit from being in charge if their destiny and although a managing agent is usually employed if the building is bigger than a house conversion, the managing agent employed by the leaseholders. Who is in charge of the block? This information is helpful as a) areas could result in problems in the building as the common areas may begin to deteriorate if maintenance are not paid for b) if the tenants have an issue with the managing agents you will wish to have full disclosure