I hired a high street solicitor for our conveyancing in Hartfield recently. Looking through the Ts and Cs it is apparent thatI am responsible for costs even where the transaction does not complete. Should I go with them or appoint a web based firm offering no completion no charge conveyancing in Hartfield?

Generally there is a compromise along the lines that if "No Completion No Fee" is available then the conveyancing charges will generally be more expensive to cover the conveyances that do not proceed. You should be mindful that these promotions generally do not cover expenses for instance Hartfield conveyancing search fees.

In the event thatI were to acquire a freehold propertyin Hartfield mortgage fee and dispense with a survey and no local authority searches how much could I expect to to save on my conveyancing in Hartfield?

Any savings you would achieve would be limited to the Hartfield conveyancing searches. Your conveyancing practitioner is required to do the vast majority of work - money laundering, communicating with your sellers solicitor, stamp duty return, register the property etc. You might save a bit for them not needing to register a charge but it will not be a lot.

I am purchasing my first flat in Hartfield with a loan from Clydesdale. The sellers would not reduce the amount so I negotiated 6k of extras instead. The sale representative suggested that I not reveal to my conveyancer about this deal as it may affect my mortgage with the lender. Should I keep quiet?.

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 decided to have a survey done on a house in Hartfield ahead of retaining lawyers. I have been told that there is a flying freehold overhang to the house. Our surveyor advised that some mortgage companies may refuse to grant a loan on this type of property.

It depends who your proposed lender is. Bank of Scotland has different instructions from Nationwide. If you e-mail us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Hartfield. Conveyancing will be smoother if you use a solicitor in Hartfield especially if they are accustomed to such properties in Hartfield.

What does commercial conveyancing in Hartfield cover?

Non domestic conveyancing in Hartfield incorporates a broad array of guidance, offered by regulated solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer 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 tenancies.