We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Does this mean I have to appoint their panel solicitor as I would prefer to appoint a Marazion based conveyancing firm?

Do check but the chances are that allocate you one of their panel solicitors should you take up the "fee-free" deal. Contact the lender and see if they allow a cash alternative. Some banks have previously offered a £250 cashback as a further option in which case that money can go towards your preferred conveyancing solicitor near Marazion.

There are a variety of conveyancing solicitors in Marazion but how do I know who I should use?

Do not opt for the cheapest Marazion conveyancing quote. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.

This question may be naive but I am unexperienced as a 1st time purchaser of a two bedroom flat in Marazion. Do I collect the keys to the premises on the completion date from my conveyancer? If this is the case, I will find a local conveyancing solicitor in Marazion?

On the day of completion you will not be required to go to the conveyancers office in Marazion. Conveyancing lawyers for you will transfer the completion advance to the seller's solicitors, and once they have received this, you should be invited to collect the keys from the property Agents and move into your new home. Usually this happens between 1 and 3pm.

We are getting the release of further funds on our home loan from Aldermore as we want to conduct alterations to our property in Marazion. Are we obliged to choose a nearby Marazion solicitor on the Aldermore conveyancing panel to deal with the legals?

Aldermore do not ordinarily instruct a member of their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Aldermore conveyancing panel.

I'm purchasing a new build house in Marazion benefiting from help to buy. The sellers refused to move on the price so I negotiated £7000 of fixtures and fittings instead. The house builders rep suggested that I not disclose to my lawyer about the extras as it would impact my loan with the lender. 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.

Taking into account that I am about to part with hundreds of thousands of pounds on a terraced house in Marazion I wish to talk to a solicitor regarding thetransaction ahead of giving the go ahead to the firm. Is this something that you can arrange?

This is something that we encourage - we would be pleased to talk to you we do not take any clients on without you first talking to the lawyer due to be conducting your property ownership legalities in Marazion.There is no ‘factory style conveyancing’ - every client is an important individual, not a case number. The law firms that we put you in touch with believe that the fees you are provided with for residential conveyancing in Marazion should be the figure that you are charged.

Me and my partner are buying a four bedroom first floor flatin Marazion with a home loan from a lender. We wish to instruct our conveyancer in Marazion yet our lender advise he's not on their "panel". It seems we have little choice but to instruct one of the our bank panel solicitors or stay with our Marazion conveyancer and pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?

Unfortunately,no. The lender mortgage issued is subject to its terms and conditions, one of which will be that lawyers will on the bank's conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels, including many conveyancing solicitors in Marazion : a mortgagee could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for your bank.