Do I need to pay for insurance to protect me from financial exposure to chancel repairs when buying a property in Helsby?

Unless a prior purchase of the house took place post 12 October 2013 you could take it that conveyancing practitioners handling conveyancing in Helsby to remain recommending a chancel search and or chancel repair liability insurance.

I am purchasing my first flat in Helsby with a mortgage from The Royal Bank of Scotland. The builders would not budge the price so I negotiated £7000 of fixtures and fittings instead. The house builders rep suggested that I not disclose to my solicitor about this deal as it may adversely affect my loan with the bank. 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.

Yesterday I discovered that there is a flying freehold issue on a property I put an offer in two weeks back in what was supposed to be a straight forward, no chain conveyancing. Helsby is the location of the property. Can you shed any light on this issue?

Flying freeholds in Helsby are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Helsby you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Helsby 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 need to retain a conveyancing solicitor for my conveyancing in Helsby. I've land on a site which looks to be the ideal answer If it is possible to get all the legals completed via email that would be ideal. Should I be concerned? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

I am looking to acquire a repression property in Helsby and the mortgagee in possession demand completion inside a week. Do conveyancing practitioners meet that timeframe? Would it be better to select a local Helsby firm or an online conveyancer that advertises to offer speedy conveyancing?

Visit your Helsby shopping parade. Pop in to 3 solicitor’s offices and ask to talk to a conveyancing solicitor for an estimate. Set out your needs and get a commitment on deadlines. Appoint the firm that comes across as most genuine. Be sure to select a property lawyer on the list of lawyers acceptable to your bank.