My financial adviser says he needs my Mildmay lawyer’ panel reference for the Nat West conveyancing panel. Can you suggest how I find this out. I have called my local Mildmay branch but they cant find it on their system.

You are best placed to get this information from your Mildmay solicitor . They maintain a central record lender panel numbers.

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

It’s unusual for properties in Mildmay and has limited impact for conveyancing in Mildmay 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 date back many centuries, but the Rent Charge Act 1977 barred the creation 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.

Is it the case that all Mildmay solicitors on the Kent Reliance conveyancing panel are governed by the Solicitors Regulatory Authority?

As solicitors, in order to be on the Kent Reliance approved list of solicitors they would need to be regulated by the Solicitors Regulatory Authority. The majority of lenders do list licenced conveyancers on their panel and in that case the practice would be regulated by the CLC.

We had selected conveyancing lawyers located in Mildmay on the Leeds Building Society solicitor approved list. They are now charging me a separate fee for handling the Leeds Building Society mortgage. Is this a supplemental conveyancing fee set by Leeds Building Society?

As unfair as it may seem, as long as it’s in their Terms of Engagement or estimate then yes your property lawyer may levy a fee for this. This fee is not dictated by Leeds Building Society but by your Mildmay property lawyer. Plenty of firms on the Leeds Building Society panel will levy ’dealing with mortgage’ fee but many firms incorporate it on their overall fee.

I am expecting a OIP from Clydesdale this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Clydesdale recommend any Mildmay solicitors on the Clydesdale conveyancing panel, or is it better to go independently?

You will need to appoint Mildmay solicitors independently although you'll need to choose one on the Clydesdale conveyancing panel. The solicitor represents both you and Clydesdale through the process.

I'm buying my first flat in Mildmay with the aid of help to buy. The builders refused to budge the price so I negotiated 6k of additionals instead. The estate agent advised me not disclose to my solicitor about this extras as it will put at risk my mortgage with Britannia. Do I keep my lawyer in the dark?.

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'm remortgaging my existing home to a buy to let mortgage with Coventry Building Society and intend to use the remaining equity towards further property. The neighborhood we are interested in is Mildmay. Will your conveyancers be able to act for the two banks and link together the two deals?

Do use our comparison tool on this site to be sure that the solicitors are on the relevant lender panels. Assuming that they are your lawyer should be able to connect the two deals but you should talk with you conveyancer and specify your desired outcome and needs.