I am buying a terraced house in Cirencester. Can I do my own conveyancing?

Leaving aside the complexities and merits of DIY conveyancing in Cirencester you will have to appoint a solicitor on your lender'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 Cirencester.

If you had a top tip for choosing a conveyancing solicitor in Cirencester what would it be?

We would encourage you not to go for the lowest Cirencester conveyancing costs illustration. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.

I am aiming to move property in September. Will my conveyancing solicitor communicate with the removal company on the day of completion. As an aside, can you suggest a removal company in Cirencester. Conveyancing solicitor was found before I stumbled across your website.

On the day of completion you can pick up the house keys from your estate agent however this can only take place when the sellers conveyancers advise the agent that they have the completion monies and the keys can be released. You should tell the removal company that you are ready to move in. We do not suggest a specific removal company but can assist you in finding a residential property solicitor in Cirencester or a lawyer with expertise in conveyancing in Cirencester.

I happen to be the only beneficiary of my late grandmother’s will and I have everything in my name now, including the my former home in Cirencester. Conveyancing formalities meant that the Land Registry date was in June. I plan to dispose of the property. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my property ownership will be considered the same way as if I'd bought the house in June. Will no one buy the property for half a year?

The Council of Mortgage Lenders’ handbook obliges solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be impacted by that. Some lenders would take a sensible view as this clause is chiefly there to pick up on subsales or the quick reselling of properties.

I require expedited conveyancing in Cirencester as I am under an ultimatum to complete within one month. A home loan is not required. Can I avoid the conveyancing searches to save fees and time?

As you are not getting a home loan you have the choice not to have searches carried out although no conveyancer would suggest that you don't. With lots of history conveyancing in Cirencester the following are examples of issues that can crop up and adversely impact market value: Refused Planning Applications, Outstanding Fees, Overdue Grants, Unadopted Roads,...

I am buying my first flat in Cirencester with a mortgage from Godiva Mortgages Ltd. The builders would not move on the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent advised me not to tell my conveyancer about the deal as it will adversely affect my loan with the bank. Should I keep quiet?.

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 decided to have a survey completed on a property in Cirencester ahead of retaining solicitors. I have been informed that there is a flying freehold element to the house. My surveyor advised that some lenders may not give a loan on a flying freehold house.

It varies from the lender to lender. Bank of Scotland has different requirements for example to Birmingham Midshires. Should you wish to call us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Cirencester. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cirencester to see if the conveyancing costs will increase in light of this.