My husband and I wish to acquire a newly converted flat in Fernhill Heath with a homeloan from Nottingham Building Society.We would like to retain our Fernhill Heath conveyancing practitioner but Nottingham Building Society advised that she’s not listed on their approved list of firms. We have to appoint a Nottingham Building Society panel solicitor or retain our high street solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Nottingham Building Society use our lawyer?

No, not really. The mortgage offered to you is subject to its various provisions, a common one being that lawyers must be on the Nottingham Building Society solicitor panel. in the past, most lenders 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 Nottingham Building Society

I happen to be the only beneficiary of my late mum's estate and I have everything in my name alone, including the house in Fernhill Heath. The Fernhill Heath property was put into my name in October. I want to move. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my property ownership will be treated the same way as if I'd bought the property in October. Is the property unsalable for six months?

The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be caught by that. many mortgage companies would take a practical view as this requirement primarily exists to capture subsales or the flipping of property.

Intending to buy a maisonette in Fernhill Heath. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Clydesdale conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Fernhill Heath lawyer is on the Clydesdale conveyancing panel.

I was told four weeks ago that my mortgage has been agreed to by Clydesdale. Is it usual for Clydesdale to only issue the offer once my solicitor in Fernhill Heath is approved on their conveyancing panel? Clydesdale 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 Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.

I decided to have a survey carried out on a house in Fernhill Heath in advance of retaining lawyers. I have been told that there is a flying freehold overhang to the house. Our surveyor has said that some mortgage companies tend refuse to give a loan on this type of house.

It depends who your proposed lender is. HSBC has different instructions from Birmingham Midshires. If you call us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Fernhill Heath. Conveyancing may be slightly more expensive based on your lender's requirements.

As co-executor for the will of my uncle I am disposing of a property in Monmouth but live in Fernhill Heath. My conveyancer (based 200 miles from mehas requested that I sign a statutory declaration ahead of the transaction finalising. Can you recommend a conveyancing solicitor in Fernhill Heath to attest and place their company stamp on the document?

Technically speaking you are unlikely to be required to have the documents witnessed by a conveyancing solicitor. Normally or notary public or solicitor will be fine regardless of whether they are located in Fernhill Heath

I am due to consider quotes for conveyancing in Fernhill Heath from three property lawyer and choose one. Am I right to instruct them to hold tight until I have found somewhere to purchase.

You should only get your conveyancing practitioner to start work and apply for searches after the sales memo has been issued by the estate agent particularly as Fernhill Heath conveyancing searches are not cheap.