My mortgage broker requires my Chalfont St Peter lawyer’ panel member for the Nat West conveyancing panel. What is the best way to discover this. I have called my local Chalfont St Peter office but they don't know it.

You are best placed to get this information from your Chalfont St Peter property lawyer . They retain a central record lender panel numbers.

My fiance and I swapping mortgage lender for our flat in Chalfont St Peter with Bank of Ireland. We have a son approaching twenty who lives with us. Our solicitor has asked us to disclose any adults other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the flat is forfeited by the lender. I have two concerns (1) Is this form unique to the Bank of Ireland conveyancing panel as he did not need to sign this form when we purchased 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?

On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Bank of Ireland. This is solely used to protect Bank of Ireland if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Bank of Ireland had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Forgive me if this question is silly but I am wet behind the ears as FTB of a two bedroom flat in Chalfont St Peter. Do I collect the keys to the premises on the completion date from my solicitor? If this is the case, I will find a local conveyancing solicitor in Chalfont St Peter?

There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the purchase money to the seller's lawyers, and shortly after the monies have arrived, you should be called to pick up the keys from the selling Agents and move into your new home. This tends to happen between 1 and 3pm.

I have decided to exercise my right to buy my property in Chalfont St Peter off the council. I have a mortgage offer with Lloyds. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Lloyds, you will need to appoint a solicitor on the Lloyds conveyancing panel.

The formalities of my remortgage has taken place for my property in Chalfont St Peter. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

Almost 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 very quickly. 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.

My partner has recommend that I appoint his lawyers for conveyancing in Chalfont St Peter. Do I follow his guidance?

No doubt the ideal way to choose a conveyancing practitioner is to get referrals from friends or relatives who have actually experience in using the firm you're are thinking of instructing.

I have noted on numerous online forums that when selecting a conveyancing firm they must be approved by your mortgage company. It happens to be my first house move but I have an offer in principle via Nat West Bank and I already have a bricks and morter conveyancing solicitor in Chalfont St Peter at the ready. Will Halifax insist on an approved solicitor to be selected? Does a list of panel solicitors even exist so I can choose a conveyancing lawyer in Chalfont St Peter?

You should instruct a solicitor that is on the Halifax panel. Just call your chosen Chalfont St Peter conveyancing lawyer and ask if they are on the Halifax panel. If they are not approved you have numerous choices available to you here:

• Carry on with your chosen Chalfont St Peter lawyer but Halifax will need to appoint a conveyancer from their approved list. This will result in additional cost and potential delay.
• Choose a fresh conveyancer to act in the purchase, making sure they are on the Halifax conveyancing panel.
• Convince your property lawyer to attempt to join the bank panel.