I am hoping to receive a mortgage with Halifax. I would like to employ the services of a Licensed Conveyancer in Clitheroe. Does the Halifax Conveyancing panel include Licensed Conveyancers?

The Halifax approved solicitor list is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.

I am purchasing my first flat in Clitheroe with a loan from Aldermore. The developers refused to budge the amount so I negotiated five thousand pounds worth of extras instead. The estate agent told me not inform my solicitor about this side-deal as it could adversely affect my mortgage with the bank. Is this normal?.

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.

We're FTB’s - had an offer accepted, yet the agent advised that the vendor will only proceed if we appoint their recommended conveyancers as they want a ‘quick sale’. Our preferred option is to instruct a high street conveyancer used to conveyancing in Clitheroe

We suspect that the seller is not behind this requirement. Should the owner desire ‘a quick sale', turning down a serious buyer is not the way to achieve this. Speak to the vendors direct and explain that (a)you are keen to buy (b)you are ready to go, with finances arranged © you do not need to sell (d) you intend to proceed fast (e)however you are going to instruct your own,trusted Clitheroe conveyancing lawyers - not the ones that will give the estate agent a kickback or meet his conveyancing targets demanded by head office.

What advice can you give us when it comes to choosing a Clitheroe conveyancing firm to carry out our lease extension conveyancing?

If you are instructing a solicitor for your lease extension (regardless if they are a Clitheroe conveyancing firm) it is imperative that he or she should be familiar with the legislation and specialises in this area of work. We advise that you make enquires with two or three firms including non Clitheroe conveyancing practices prior to instructing a firm. If the firm is ALEP accredited then so much the better. The following questions might be helpful:

Can they put you in touch with clients in Clitheroe who can give a testimonial?

Clitheroe Conveyancing for Leasehold Flats - A selection of Queries before buying

The prefered form of lease structure is where the freehold title is owned by the leaseholders. In this situation the tenants enjoy control and notwithstanding that a managing agent is frequently retained where the building is larger than a house conversion, the managing agent acts for the leaseholders themselves. Make sure you enquire if the the lease includes any adverse restrictions in the lease. For instance it is reasonably common in Clitheroe leases that pets are not allowed in in a block in Clitheroe. If you love the propertyin Clitheroe but your dog can’t make the move with you then you will be faced difficult choice. How much is the ground rent and service charge?

How varied are the property law services that Clitheroe conveyancing organisations manage?

By and large Clitheroe conveyancing practices will carry out a number of services to home and land proprietors, sellers, buyers, landlords and tenants including the following:

Home sale conveyancing in Clitheroe or throughout the rest of the country House purchase conveyancing in Clitheroe and further afield Clitheroe conveyancing for Conveyancing for repossessed property Advising on buy to let and other investment property transactions Drafting and advising on leases and tenancy agreements Buying and selling of garden land