My husband and I are hoping to buy a 2 bedroom apartment in Edingale with a homeloan from Chelsea Building Society.We like our Edingale conveyancing lawyer but Chelsea Building Society informed us her practice is not on their approved list of firms. we are left little option but to use a Chelsea Building Society panel lawyer or keep our local solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that Chelsea Building Society use our lawyer?

No, not really. The home loan issued to you is subject to its various provisions, one of which will be that conveyancers needs to be on the Chelsea Building Society conveyancing panel. Until recently, most banks had large numbers of law firms on their panels: a borrower could choose 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. A further alternative is for your solicitors to apply to be on the conveyancing panel for Chelsea Building Society

I am buying a new build house in Edingale with a loan from Norwich and Peterborough Building Society. The sellers would not move on the amount so I negotiated £7000 of additionals instead. The house builders rep suggested that I not reveal to my lawyer about this side-deal as it would affect my mortgage with the lender. 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.

Over the last few months I have been searching for a ground for flat up to £245,000 and found one near me in Edingale I like with amenity areas and transport links nearby, however it only has 52 years on the lease. I can't really find anything else in Edingale for this price, so just wondered if I would be making a grave error purchasing a lease with such few years left?

If you need a mortgage the shortness of the lease will likely be a potential deal breaker. Reduce the price by the expected lease extension will cost if it has not already been discounted. If the current owner has owned the premises for at least twenty four months you may ask them to start the process of the extension and pass it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this.

What does commercial conveyancing in Edingale cover?

Edingale conveyancing for business premises covers a wide array of guidance, given by regulated solicitors, relating to business property. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.

I am using a search engine for the term conveyancing in Edingale it reveals many property lawyersin the area. With so much choice what is the best way to find the right property lawyer for me?

The ideal method of finding the right conveyancer is via trusted referral, so enquire of friends and those you trust who have bought a property in Edingale or a local estate agent or financial adviser. Fees for conveyancing in Edingale differ, so it's a good idea to obtain a minimum of three fee calculations from varying types of property lawyers. Be sure to secure confirmation that the charges are guaranteed not to escalate.