We are purchasing a flat and require a conveyancing solicitor in Warsash who is on the approved panel. Can you recommend a local conveyancing firm?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for . We don't recommend any particular firms conducting conveyancing in Warsash.

When it comes to lenders such as , do Warsash incur an annual charge to be on the conveyancing panel?

We are not aware of any mortgage company fees to be on their list of approved firms, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.

Two weeks ago we had a mortgage agreed in principle with . Warsash conveyancing solicitors have been appointed. What is the average time that one could expect to receive a mortgage offer from ?

There is no definitive answer here. Have conducted the valuation? Have you informed as to your lawyers' details and checked that your lawyers are on the conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

The formalities of my remortgage has taken place for my property in Warsash. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?

All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.

I am buying my first flat in Warsash with the aid of help to buy. The sellers would not move on the price so I negotiated 6k of extras instead. The estate agent told me not to tell my lawyer about this side-deal as it would adversely affect my mortgage with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am looking for a leasehold apartment up to £235,500 and found one round the corner in Warsash I like with a park and railway links nearby, the downside is that it only has 51 years unexpired on the lease. There is not much else in Warsash suitable, so just wondered if I would be making a grave error purchasing a lease with such few years left?

If you need a home loan the shortness of the lease may be a potential deal breaker. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least 2 years you may ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should consult your conveyancing lawyer concerning this matter.

Warsash Conveyancing for Leasehold Flats - A selection of Queries before Purchasing

Is there a share of the freehold? Its a good idea to find out as much as you can concerning the managing agents as they will affect your use and enjoyment of the property. As the proprietor of a leasehold property you are frequently at the mercy of the managing agents from a financial perspective and when it comes to day to day issues like the cleanliness of the communal areas. Ask prospective neighbours if they are happy with their management. In conclusion, be sure you know the dates that you are obliged pay the service charge to the managing agents and specifically what you get for your money. How many years remain on the lease?