My financial adviser has asked me for my Kingsbridge lawyer’ panel reference for the Lloyds conveyancing panel. How do I discover this. I have tried my local Kingsbridge branch but they don't know it.

The sensible thing to do is ask for this information from your Kingsbridge property lawyer . Most Kingsbridge conveyancing practices will keep a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each bank.

I am the registered owner of a freehold residence in Kingsbridge but still pay rent, why is this and what is this?

It is rare for properties in Kingsbridge and has limited impact for conveyancing in Kingsbridge but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the generation of new rentcharges post 1977.

Previous rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 is to be extinguished.

I need some expedited conveyancing in Kingsbridge as I am under an ultimatum to exchange contracts in less than one month. Luckily I do not need a mortgage. Can I avoid the conveyancing searches to save money and time?

As you are not obtaining a home loan you are at free not to do searches although no conveyancer would suggest that you don't. With lots of history conveyancing in Kingsbridge the following are instances of what can crop up and therefore affect future mortgageability: Refused Planning Applications, Outstanding Charges, Outstanding Grants, Road Schemes,...

I'm buying a new build house in Kingsbridge with a mortgage from Bank of Scotland. The sellers would not budge the amount so I negotiated five thousand pounds worth of extras instead. The property agent told me not disclose to my lawyer about this side-deal as it will affect my loan with the lender. Should I keep quiet?.

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.

I need to appoint a conveyancing solicitor for freehold conveyancing in Kingsbridge. I happened to chance upon a site which seems to have the ideal offering If there is a chance to get all formalities done via email that would be preferable. Do I need to be concerned? What should out be looking out for?

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?