After what seems like an age a loan agreement from Nationwide for the refinancing of my single room flat is to be issued by the end of next week. Can you put forward a low cost conveyancing practitioner in Cholsey?

You are on the wrong site if you are in need of a cheap conveyancing solicitors in Cholsey. Our aim is to provide affordable conveyancing but we do not advertise as being the cheapest. Resist the temptation to appoint companies teasing you with £100 conveyancing in Cholsey. The optimum result, in going for cheap conveyancing, you will end up with what you pay for and at worst you will end up with a surprising uplift in extras and still not get the service you were looking for.

We are hoping to buy a purpose built apartment in Cholsey with a loan from Bank of Ireland.We use our Cholsey conveyancing practitioner but Bank of Ireland says his firm is not listed on their approved list of firms. We have to appoint a Bank of Ireland panel firm or retain our local solicitor and fork out for a Bank of Ireland panel lawyer to act for them. We feel as though this is unjust; Can we not simply insist that Bank of Ireland use our lawyer?

Unfortunately,no. The loan offered to you contains various provisions, a common one being that lawyers needs to be on the Bank of Ireland solicitor panel. Until recently, most lenders had large numbers of law firms 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 Bank of Ireland

It has been five months since my purchase conveyancing in Cholsey took place. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £170,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

Is it best to go with a Cholsey conveyancing practitioner in close proximity to the house I am purchasing? An old friend can deal with the legal work however they are based approximately 350kilometers away.

The benefit of a high street Cholsey conveyancing firm is that you can drop in to execute documents, hand in your identification documents and pester them if necessary. They will also have local knowledge which is a bonus. However it's more important to get someone that will pull out all the stops for you. If you know people who instructed your friend and in the main were impressed that must outweigh using an unknown Cholsey conveyancing solicitor just because they are Cholsey based.

I have miscalculated my finances and am a few thousand pounds short a 10% deposit on my apartment purchase in Cholsey , but I still want to proceed. Do I have options?

You can accept a smaller deposit. Most property owners 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