I am getting a offer of a home loan from Nat West. I hope to instruct a Licensed Conveyancer in Maze Hill. Does the Nat West Conveyancing panel allow for conveyancers regulated by the CLC?

The Nat West approved solicitor list is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

My solicitor has informed me that chancel insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Maze Hill?

The right level of chancel indemnity insurance depends on your lender. It would differ for example between Halifax and Virgin Money. Conveyancing solicitors as opposed to borrowers take out such insurances.

Is there a list of Principality panel solicitors in Maze Hill on the UK Finance Lenders’ Handbook Website?

Unfortunately not yet. There is no such facility on the Council of Mortgage Lenders or Building Society Association websites. Very few lending institutions make their panel listings viewable online. If you are in need of a Maze Hill conveyancing practitioner on the Principality please make the most of our facility.

Our sealed bid on a detached house in Maze Hill has been agreed to, but there is a chain. The sellers have offered on on an apartment, however it’s not yet agreed to, and have viewings of other properties in the pipeline. I have selected a nearby conveyancing solicitor in Maze Hill. What do I do now? When do I get the mortgage application with Lloyds started?

It is usual to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is in the region of £1k, then valuation, Maze Hill conveyancing search fees, etc). The first thing to do is check that your property lawyer is on the Lloyds conveyancing panel. Regarding the subsequent steps this very much depends on the specifics of your case, attraction to the property and on the state of the market. During a buoyant market the majority of buyers would apply for the mortgage with Lloyds and arrange for the valuation and only if it comes back ok would they ask their solicitor to move forward with the conveyancing in Maze Hill.

My wife and I own a semi-detached Victorian property in Maze Hill. Conveyancing lawyer acted for me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, the second leasehold with the matching property. Is it worth asking Chelsea Building Society to clarify?

You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Maze Hill and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with your conveyancing practitioner who conducted the conveyancing.

I'm buying a new build house in Maze Hill with the aid of help to buy. The developers would not move on the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not inform my solicitor about the extras as it could affect my loan with the lender. 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.

As co-executor for the estate of my grandmother I am selling a house in Cardiff but I am based in Maze Hill. My lawyer (based 250 miles from merequires that I sign a statutory declaration prior to completion. Could you suggest a conveyancing practitioner in Maze Hill who can witness and place their company stamp on the document?

Technically speaking you should not need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or solicitor will suffice regardless of whether they are based in Maze Hill