We instructed a high street solicitor for my conveyancing in Canford Heath recently. Upon checking the Terms and Conditions it is apparent thatI am on the hook for fees even if our purchase aborts. Should I go with them or use a web based firm who offer no-sale-no-fee conveyancing in Canford Heath?

Generally there is a concession along the lines that if "No Completion No Fee" is advertised then the fee levels will tend to be be higher to neutralise those transactions that abort. Do bear in mind that these promotions rarely protect you from disbursements for instance Canford Heath conveyancing search fees.

Are the Canford Heath conveyancing solicitors identified as being on the Nationwide conveyancing panel, together with their details provided by Nationwide?

Canford Heath conveyancing firms themselves provide us confirmation that they are on the Nationwide conveyancing panel as opposed to being supplied with a list from Nationwide directly.

I am purchasing a new build house in Canford Heath benefiting from help to buy. The sellers refused to reduce the price so I negotiated £7000 of extras instead. The estate agent advised me not disclose to my lawyer about the side-deal as it would adversely affect my loan with Godiva Mortgages Ltd. 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.

Due to the input of my in-laws I had a survey completed on a property in Canford Heath in advance of instructing conveyancers. I have been informed that there is a flying freehold aspect to the property. My surveyor has said that some mortgage companies may refuse to issue a loan on such a property.

It depends who your proposed lender is. Santander has different requirements for example to Nationwide. Should you wish to telephone us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Canford Heath. Conveyancing will be smoother if you use a solicitor in Canford Heath especially if they are accustomed to such properties in Canford Heath.

I dont have enough spare funds to pay a 10% deposit on my apartment purchase in Canford Heath , but I am keen proceed. What can I do?

One option is to try and agree a lower deposit. Many vendors will accept a lesser deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.

You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last minute