We are purchasing a property and need a conveyancing solicitor in Hindley who is on the Bank of Ireland conveyancing panel. Can you recommend a local solicitor?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Bank of Ireland . We don't recommend any particular firms conducting conveyancing in Hindley.

This question may be naive but I am new to the home buying as FTB of a two bedroom flat in Hindley. Do I pick up the keys to the property on the completion date from my conveyancer? If so, I will find a High Street conveyancing solicitor in Hindley?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the completion advance to the vendor’s solicitors, and shortly after the monies have arrived, you should be called to pick up the keys from the selling Agents and move into your new home. Usually this happens between 1 and 3pm.

We had selected solicitors located in Hindley on the Nottingham solicitor panel. They are now charging me a further amount for dealing with the Nottingham mortgage. Is this an additional conveyancing fee set by Nottingham?

As unfair as it may seem, as long as it’s in their Terms and Conditions or estimate then yes your conveyancer is entitled to charge a fee for this. The fee is not set by Nottingham but by your Hindley property lawyer. Some firms on the Nottingham panel will charge an ‘acting for lender’ fee and others do not.

I can not fathom if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Hindley building society branch on a couple of occasions and was reassured it wasn't a problem and they would lend. My Hindley conveyancing solicitor - who is on the bank conveyancing panel- called and was told they refuse to lend based on their published requirements. I simply don't know who is right.

Your conveyancer must comply with the Council of Mortgage Lenders’ Handbook section two provisions for your bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

I'm purchasing a new build house in Hindley with a mortgage from Bank of Scotland. The developers would not move on the price so I negotiated £7000 of fixtures and fittings instead. The estate agent told me not to tell my lawyer about this extras as it may put at risk my loan with Bank of Scotland. 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.

My husband and I are new to the buying process - agreed a price, but the estate agent told us that the vendor will only issue a contract if we instruct the agent's chosen lawyers as they want a ‘quick sale’. My instinct tells me that we should use a high street conveyancer used to conveyancing in Hindley

It is improbable the vendors are behind this. If they desire ‘a quick sale', taking such a hostile approach to a motivated buyer is not the way to achieve this. Speak to the vendors direct and make the point that (a)you are motivated buyers (b)you are excited to move forward, with mortgage lined up © you have nothing to sell (d) you wish to move quickly (e)but you are going to instruct your own,trusted Hindley conveyancing firm - rather thanthe ones that will provide the negotiator at the agency a commission or hit his conveyancing targets demanded by corporate headquarters.

What type of property do your Hindley conveyancing quotes relate to?

The quotes provided are only appropriate to standard residential property in England & Wales. Should you have any different needs for instance industrial or agricultural property or commercial conveyancing in Hindley please contact us to address this further .