Finally the sale completed on my house in Isle Of Anglesey last January yet the purchaser is e-mailing me to moan that his solicitor needs to hear from mine. What should my lawyer have done now that I have sold?

After completion of your disposal your solicitor should send the transfer documentation and all of the paperwork to the purchaser's solicitors. If applicable, your solicitor should also evidence that the legal charge in favour of the lender has been discharged to the purchasers lawyers. There are no post completion requirements just for conveyancing in Isle Of Anglesey.

I am buying a terraced house in Isle Of Anglesey. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?

Leaving aside the complexities and merits of DIY conveyancing in Isle Of Anglesey you will have to appoint a solicitor on your lender's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Isle Of Anglesey.

3 months have elapsed following my purchase conveyancing in Isle Of Anglesey took place. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I'm buying my first flat in Isle Of Anglesey with a loan from Norwich and Peterborough Building Society. The builders refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The estate agent told me not reveal to my solicitor about the deal as it would impact my mortgage with the bank. 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.

Due to the advice of my in-laws I had a survey completed on a house in Isle Of Anglesey in advance of instructing solicitors. I have been told that there is a flying freehold overhang to the property. The surveyor advised that some mortgage companies may refuse to grant a loan on such a house.

It depends who your proposed lender is. Santander has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Isle Of Anglesey. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Isle Of Anglesey to see if the conveyancing will be more expensive.