I plan on acquiring a maisonette in Brixham. My Solicitor is not listed on the bank conveyancing panel. Can I still use my Brixham conveyancing solicitor even though they are not on the mortgage company approved list?

Various options include

• Carry on with your existing Brixham but your lender will need to retain a from their conveyancing panel. The net result is additional cost together with probable delay.
• Appoint a fresh to conduct the conveyancing, obviously checking they are on the lender conveyancing panel.
• Convince your to attempt to join the mortgage company panel

Our Brixham conveyancer has uncovered a discrepancy when comparing the surveyor’s assumptions in the home valuation survey and what is in the title deeds. My lawyer has advised that he needs to ensure that the lender is with this discrepancy and is content to go ahead. Is my conveyancer’s course or action appropriate?

Your must comply with the UK Finance Lenders’ Handbook conditions 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.

I am buying a terrace house in Brixham. Our aim is to carry out an extension to the side at the house.Will legal work on the property include enquiries to ascertain if these alterations were previously refused?

Your solicitor will review the registered title as conveyancing in Brixham can sometimes reveal restrictions in the title documents which restrict categories of alterations or require the consent of another owner. Many extensions call for local authority planning consent and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be sensible to check these things with a surveyor ahead of any purchase.

Can you help - my lawyer says that chancel insurance is necessary on my purchase. What is the level of cover for Brixham conveyancing?

The right level of chancel indemnity insurance should be dictated by who who your lender is. It would differ for example between and . Conveyancing solicitors as opposed to borrowers take out such insurances.

We previously chose solicitors located in Brixham on the solicitor approved list. They are now charging me an additional charge for dealing with the mortgage. Is this an additional conveyancing fee set by ?

Unfortunately, so long as it is in their Terms of Engagement or Quote then yes your can charge a fee for this. The charge is not set by but by your Brixham . Some firms on the panel will quote ’dealing with mortgage’ fee but some firms include it on their overall fee.

I'm purchasing a new build house in Brixham benefiting from help to buy. The builders refused to budge the amount so I negotiated five thousand pounds worth of additionals instead. The house builders rep advised me not reveal to my conveyancer about this side-deal as it could adversely affect my loan with the lender. Do I keep my lawyer in the dark?.

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 was pointed in your direction by numerous property agents in Brixham to get a quote from a property lawyer using your seach tool. What’s the financial advantage for Estate Agents to market your site rather than a competitor’s?

We refuse to give any referral fee for pointing buyers and sellers to this site. We found it would be just too difficult to pay a commission as home movers will think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.