Can I use your services to find a Conveyancing solicitor in Whitmore even where I’m not purchasing or selling a house, for example where I wish to acquire a shop in Whitmore with a mortgage from Alliance & Leicester ?

The service is mainly used to locate residential conveyancing solicitors in Whitmore but we have listed at the bottom of this page some Whitmore commercial conveyancing firms. You should speak with the firm directly to establish if they can also act for Alliance & Leicester

My husband and I wish to acquire a purpose built flat in Whitmore with a loan from Coventry Building Society.We have a Whitmore conveyancing lawyer but Coventry Building Society informed us she’s not on their approved list of member firms. It seems we are left with no choice but to instruct a Coventry Building Society panel solicitor or keep our local solicitor and pay for a Coventry Building Society panel lawyer to act for them. We feel as though this is unjust; is there anything we can do?

Unfortunately,no. The home loan issued to you contains various provisions, a common one being that solicitors will be on the Coventry Building Society approved list. Until recently, most mortgage companies had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Coventry Building Society

Forgive me if this question is silly but I am new to the house moving as a 1st time purchaser of a garden flat in Whitmore. Do I pick up the keys to the property on the completion date from my solicitor? If this is the case, I will appoint a High Street conveyancing solicitor in Whitmore?

On the day of completion you will not be required to attend the conveyancers office in Whitmore. Conveyancing lawyers for you will arrange to send the purchase money to the vendor’s conveyancers, and shortly after the monies have arrived, you should be called to collect the keys from the Estate Agents and start moving into the property. Usually this happens early afternoon.

My lawyer has informed me that restrictive coveneant insurance is necessary on my purchase. What is the level of cover for Whitmore conveyancing?

The right level of restrictive coveneant indemnity insurance depends on your lender. It would differ for example between Birmingham Midshires and Bank of Scotland. Conveyancing solicitors as opposed to borrowers take out such insurances.

We are getting the release of further funds on our home loan from Skipton as we want to carry out alterations to our house in Whitmore. Do we need to appoint a local Whitmore solicitor on the Skipton conveyancing panel to deal with the paperwork?

Skipton would not normally instruct firms on their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Skipton panel.

I'm purchasing a new build house in Whitmore benefiting from help to buy. The developers would not reduce the amount so I negotiated 6k of extras instead. The sale representative suggested that I not inform my solicitor about the side-deal as it will adversely affect my loan with the bank. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer 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 need to review quotes for conveyancing in Whitmore from various conveyancer and decide on one. Am I right to ask them to sit tight until I have found somewhere to purchase.

You should only request your solicitor to open a file and submit searches after the offer has been agreed to on the property particularly as Whitmore conveyancing searches are costly.