My fiance and I are intent on buying property in Cilcain. My Solicitor has never been on on the lender solicitor list. Am I still permitted to appoint my Cilcain conveyancing solicitor notwithstanding that they are excluded from the bank panel?

One will need to instruct a solicitor to complete the formalities if you require a loan to purchase your property. The solicitor will conduct all the essential legal checks on the property, make sure that you will be properly registered as the owner and ensure that all the necessary mortgage paperwork is dealt with. One could appoint a Cilcain property lawyer of your choice. Nevertheless, where the solicitor appointed is not a member of the mortgage company conveyancing panel supplemental costs will arise as separate legal representation will be required by them. Bank panel applications may be submitted, so provided your conveyancer has not previously sought membership they can do so.

I am buying a new build flat in Cilcain. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?

Leaving aside the complexities and merits of DIY conveyancing in Cilcain you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Cilcain.

Have purchased a a terraced house in Cilcain , how long will it take for the Land Registry to register my title? My Cilcain conveyancing solicitor works at snail pace, so I want to be sure that my name is recorded.

As far as conveyancing in Cilcain registration is no quicker or slower than anywhere else in England and Wales. As opposed to being determined by geographic area, timeframes can vary depending on the party submitting the application, whether it is in order and if the Land registry communicate with any 3rd parties. At present approximately three quarters of submission are completed within 12 days but occasionally there can be extensive hold-ups. Registration is effected after the buyer is living at the premises so 'speed' is not typically an essential issue but where there is a degree of urgency associated with the registration then you or your conveyancer can communicate with the Registry to express the reasoning for the application to be prioritised.

I'm purchasing my first flat in Cilcain with the aid of help to buy. The builders refused to move on the price so I negotiated 6k of extras instead. The house builders rep advised me not to tell my lawyer about the extras as it may put at risk my loan with Accord Mortgages Ltd. Should I keep quiet?.

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.

Due to the guidance of my in-laws I had a survey completed on a property in Cilcain prior to instructing lawyers. I have been informed that there is a flying freehold element to the property. My surveyor advised that some lenders will not give a loan on this type of property.

It varies from the lender to lender. Lloyds has different requirements from Nationwide. If you e-mail us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Cilcain. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cilcain to see if the conveyancing costs will increase in light of this.