We have a mortgage agreed in principle with Principality. Irthlingborough conveyancing practitioners have been appointed. What is the average time that one could expect to receive a mortgage offer from Principality?

There is no definitive answer here. Have Principality conducted the survey? Have you informed Principality as to your lawyers' details and checked that your lawyers are on the Principality conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

We have agreed to purchase a house in Irthlingborough. An unusual aspect is that the roof has a solar panel. Coventry BS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that your lender is Coventry BS your lawyer must check the formal instructions outlined in Section two of UK Finance Lenders’ Handbook for Coventry BS. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and lawyers are required to report to Coventry BS where a lease fails to meet these conditions. The provisions relate to the installation of panels on properties nationwide and is not limited to Irthlingborough.

I'm in the throws of looking at flats in Irthlingborough and I am now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a home loan with Principality.

It would be sensible to commence your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. As you are seeking a mortgage with Principality, make sure you remember to check that your lawyer is on the Principality conveyancing panel.

I am planning on selling our property in Irthlingborough and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. A high street Irthlingborough conveyancer would know this is not the case. It does beg the question why the purchasers instructed an online conveyancing outfit rather than a conveyancing solicitor in Irthlingborough. Having lived in Irthlingborough for six years we know of no issue. Do we contact our local Authority to obtain confirmation that there is no issue.

It would appear that you have a conveyancing firm currently acting for you. What do they say? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)

I purchased a terraced Georgian property in Irthlingborough. Conveyancing practitioner acted for me and Platform Home Loans Ltd. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?

You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Irthlingborough and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the situation with the conveyancing practitioner who conducted the purchase.

I'm buying my first flat in Irthlingborough with a mortgage from Accord Mortgages Ltd. The developers would not budge the amount so I negotiated 6k of extras instead. The property agent advised me not reveal to my lawyer about this side-deal as it would adversely affect my mortgage with the bank. Do I keep my lawyer in the dark?.

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.

It has taken forever and a day but a mortgage agreement from a mortgage company for the refinancing of my 4 bedroom maisonette is coming within the next few days. Could you recommend a cheap remortgage conveyancing lawyer in Irthlingborough ?

You are on the wrong site if you are in need of the cheapest conveyancing solicitors in Irthlingborough. We can offer you excellent value conveyancing but we do not aim to work with the cheapest lawyers. Resist the temptation to appoint brokers offering low cost conveyancing in Irthlingborough.In your best case scenario, in opting for cheap conveyancing, you will get what you pay for and at worst you will end up paying a lot in additional fee and still not receive the service required.