Do all mortgage companies provide you with an approved list of Cookley conveyancing solicitors? How do you know who is on the Yorkshire BS conveyancing panel?

Cookley conveyancing firms themselves provide us confirmation that they are on the Yorkshire BS conveyancing panel as opposed to being supplied with a list from Yorkshire BS directly.

I own a semi-detached Edwardian property in Cookley. Conveyancing solicitor represented me and Yorkshire Building Society. I did a free Land Registry search last week and I saw two entries: one for freehold, the second leasehold under the exact same address. I thought I was buying a freehold how can I check?

You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Cookley and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the situation with your conveyancing lawyer who conducted the conveyancing.

I am purchasing a new build house in Cookley benefiting from help to buy. The builders would not reduce the price so I negotiated five thousand pounds worth of extras instead. The estate agent suggested that I not reveal to my solicitor about the extras as it would put at risk my loan with the bank. Do I keep my lawyer in the dark?.

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 advice of my in-laws I had a survey completed on a house in Cookley before instructing lawyers. I have been told that there is a flying freehold overhang to the property. My surveyor has said that some lenders tend refuse to give a loan on a flying freehold home.

It depends who your proposed lender is. Santander has different requirements for example to Birmingham Midshires. If you call us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Cookley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cookley to see if the conveyancing costs will increase in light of this.

In scouring the internet for the term cheap conveyancing in Cookley it shows results of numerous property lawyersin the vicinity. With so much choice what is the best way to find the suitable conveyancer for me?

The preferential way of choosing a suitable conveyancer is via personal testimonial, so enquire of colleagues and family who have bought a property in Cookley or the local estate agent or mortgage broker. Costs for conveyancing in Cookley vary, so it's advisable to obtain a minimum of three fee calculations from different law firms. Dont forget to clarify that the fees are fixed.