I currently have a mortgage with Skipton for my property in Market Bosworth. Conveyancing has been completed 12 months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Skipton?

Your original mortgage agreement with Skipton will provide that you need their approval before renting your property as this is likely to be a breach of Skipton’s mortgage conditions. It may be that Skipton will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Skipton directly. It should not be necessary to do this via a Skipton conveyancing panel solicitor.

I am due to exchange contracts on my house. I had a double glazing fitted in July 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Principality are being pedantic. The Market Bosworth solicitor who is on the Principality conveyancing panel is saying indemnity insurance will be fine but Principality are insisting on a building regulation certificate. Why do Principality have a conveyancing panel if they don't accept advice from them?

It is probably the case that Principality have referred the matter to their valuer. The reason why Principality may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

I was told three weeks ago that my mortgage has been agreed to by Lloyds. Is it usual for Lloyds to only issue the offer once my solicitor in Market Bosworth is approved on their conveyancing panel? Lloyds have asked my solicitor to see a copy of their PI Insurance.

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.

Despite weeks of looking the Title Certificate and documents to our home are lost. The lawyers who did the conveyancing in Market Bosworth 4 years ago have long since closed. What do I do?

Gone are the days when you need to hold title original deeds to establish that you are the registered proprietor of land or premises, given that the Land Registry have everything they need in a digital format.

I'm purchasing my first flat in Market Bosworth with a loan from Platform Home Loans Ltd. The sellers would not reduce the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative advised me not reveal to my conveyancer about the deal as it will impact my mortgage with Platform Home Loans Ltd. 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.

Taking into account that I will soon spend over three hundred thousand on a two bedroom apartment in Market Bosworth I wish to have a conversation with the conveyancer concerning theconveyancing before appointing the firm. Is this something that you can arrange?

We could not agree more - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer due to be conducting your property ownership legalities in Market Bosworth.There is no ‘factory style conveyancing’ - every client is unique person, not a matter number. The solicitors that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in Market Bosworth should be the figure that you are charged.

My uncle has urged me to use his conveyancing solicitors in Market Bosworth. Do I follow his guidance?

Much as we are happy to recommend a Market Bosworth conveyancing lawyer it’s preferable to select a conveyancing practitioner is to have feedback from friends or relatives who have actually used the solicitor that you are are thinking of instructing.