I'm the only beneficiary of my late father’s will with all property in now in my sole name, including the my former home in Enfield Wash. Conveyancing formalities meant that the Land Registry date was in January. I want to move. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my property ownership could be treated the same way as if I'd bought the house in January. Will no one buy the property for half a year?

The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be affected by that. Most mortgage companies would take a pragmatic view as this provision is chiefly there to pick up on the purchase and immediately sell or the wholesaling and assigning of property.

I'm in the process of viewing apartments in Enfield Wash and I am now considering a potential offer. Is it best to have a conveyancer on ‘stand by’? I intend to finance via a mortgage with Nottingham.

You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the EA. Given that you are seeking a mortgage with Nottingham, make sure you remember to check that your lawyer is on the Nottingham conveyancing panel.

I was told two weeks ago that my mortgage has been agreed to by Kent Reliance. Is it usual for Kent Reliance to only issue the offer once my solicitor in Enfield Wash is approved on their conveyancing panel? Kent Reliance have asked my solicitor to see a copy of their PI Insurance.

Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Kent Reliance to deal with your lawyer's application to be on the Kent Reliance conveyancing panel. There's no guarantee that your solicitor will be accepted.

What will a local search reveal concerning the property I am purchasing in Enfield Wash?

Enfield Wash conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search company for example PSG The local search is essential in every Enfield Wash conveyancing purchase; that is if you wish to avoid any nasty once you have moved into your new home. The search should supply data on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic sections.

I am purchasing my first flat in Enfield Wash with a loan from Accord Mortgages Ltd. The developers refused to move on the amount so I negotiated 6k of extras instead. The estate agent advised me not to tell my lawyer about this deal as it will impact my mortgage with Accord Mortgages Ltd. Is this normal?.

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've recently found out that there is a flying freehold element on a house I put an offer in last month in what was supposed to be a straight forward, no chain conveyancing. Enfield Wash is the location of the property. What do you suggest?

Flying freeholds in Enfield Wash are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Enfield Wash you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Enfield Wash may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

I am using a search engine for the words cheap conveyancing in Enfield Wash it shows results of many solicitorslocally. How do I determine which is the right solicitor for purchase transaction?

The ideal method of finding a suitable conveyancer is through a trusted recommendation, so enquire of colleagues and family who have bought a property in Enfield Wash or the respected estate agent or mortgage broker. Charges for conveyancing in Enfield Wash differ, so it's a good idea to obtain at least four costs illustrations from varying types of solicitors. Make sure that you know that the charges are guaranteed not to rise.