Recently been in touch with my conveyancing lawyer in Fishguard who conducted the legals 18 months ago requesting a conveyancing estimate based on the same type of home move (a leasehold property and a freehold premises) of similar values with a loan from Aldermore. I am now being charged twice the amount. Am I right to be tempted to shop around for an alternative firm of conveyancing solicitor?

The costs illustration is slightly on the high side. Where you are happy to expend time contrasting charges you may be able to get the conveyancing a bit cheaper by perhaps £125. On the other hand, providing that you were content with the assistance the firm offered you maycome to regret choosing an an untested lawyer. Remember to be sure the firm can represent Aldermore. You can employ our search tool to locate a Fishguard conveyancing firm on the Aldermore approved list of lawyers, which can often include conveyancing solicitors in Fishguard.

I sincerely hope you can assist me. My Fishguard solicitor is assuring me that he is legally obliged toorder Fishguard conveyancing searches becausethe firm are on the Virgin Moneysolicitor panel. These Fishguard checks cost a lot of money can this be avoided?

Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with a mortgage company your solicitor has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your solicitor would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the Council of Mortgage Lenders’ Handbook requirements . Even if you were a cash buyer you would be ill advised not to carry out Fishguard conveyancing searches.

I am buying a new build house in Fishguard benefiting from help to buy. The developers would not reduce the price so I negotiated 6k of fixtures and fittings instead. The estate agent told me not to tell my lawyer about the extras as it may adversely affect my mortgage with Alliance & Leicester . 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.

Yesterday I discovered that there is a flying freehold issue on a house I put an offer in last month in what was supposed to be a simple, chain free conveyancing. Fishguard is where the house is located. Is there any advice you can give?

Flying freeholds in Fishguard are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Fishguard you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Fishguard may determine 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 property.

I am looking into buying my first house which is in Fishguard and I am already nervous. I couldn't find anything specific about Fishguard. Conveyancing will be needed in due course but do you know about the Fishguard area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Fishguard. In the meantime here are some basic statistics that we found