I am buying a property without a mortgage in Lynton. I have lived for the last 15 years in Lynton. Conveyancing searches are expensive. Given that I know the area and road very well should I not bother getting the solicitor to do all the conveyancing searches?

In the absence of a home loan, then the vast majority of the Lynton conveyancing searches are at your discretion. Your lawyer will ’encourage you, no-doubt strongly, that you should have searches completed, but he has a professional duty to take that path of guidance. One thing to consider; if you are going to sell the house one day, it could be of importance to your prospective buyer what the searches reveal. There are plenty of instances where properties with functional issues can still show up adverse search results. A competent conveyancing solicitor in Lynton will be able to give you some constructive guidance concerning this.

This question may be naive but I am wet behind the ears as a first time purchaser of a two bedroom flat in Lynton. Do I collect the keys to the house on the completion date from my solicitor? If this is the case, I will instruct a local conveyancing solicitor in Lynton?

On the day of completion you do not need to attend the conveyancers office in Lynton. Your solicitors will arrange to send the completion advance to the owner’s lawyers, and once they have received this, you will be able to collect the keys from the Estate Agents and start moving into the property. Usually this happens early afternoon.

Is it the case that all Lynton solicitor firms on the Nottingham conveyancing panel are governed by the SRA?

As solicitors, in order to be on the Nottingham conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many banks do permit licenced conveyancers on their panel and in such a situation the organisation would be overseen by the CLC.

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

Some lenders take longer than others. Have Nationwide completed the valuation? Have you informed Nationwide as to your lawyers' details and checked that your lawyers are on the Nationwide conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

I am purchasing a new build house in Lynton benefiting from help to buy. The sellers would not move on the amount so I negotiated 6k of additionals instead. The house builders rep told me not disclose to my conveyancer about the side-deal as it would put at risk my mortgage with Leeds Building Society. Do I keep my lawyer in the dark?.

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.

What does commercial conveyancing in Lynton cover?

Non domestic conveyancing in Lynton incorporates a wide range of advice, provided by qualified solicitors, relating to business premises. For example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.

My husband and I are first time buyers - had an offer accepted, but the estate agent told us that the vendor will only issue a contract if we use their chosen solicitors as they want an ‘expedited deal’. We would rather use a local conveyancer with experience of conveyancing in Lynton

It is unlikely the owners are behind this. If they desire ‘a quick sale', turning down a serious buyer is counter productive. Speak to the owners direct and explain that (a)you are motivated buyers (b)you are excited to move forward, with finances arranged © you have nothing to sell (d) you intend to proceed fast (e)however you will continue to use your preferred Lynton conveyancing lawyers - not the ones that will earn the negotiator at the agency a commission or hit his conveyancing thresholds set by corporate headquarters.