AssumingI were to buy a straightforward propertyin Millom for cash and dispense with a survey and no conveyancing searches how much would I expect to to save on my conveyancing in Millom?

The sole reduction in fees you would make on is the Millom conveyancing searches. The property lawyer still be obliged to do everything else - money laundering, communicating with your vendors conveyancing practitioner, SDLT submission, register the property etc. You might save a bit for them not needing to register a charge but it won't be meaningful.

I moved into my home on 8 April and my personal details is yet to be registered. Any reason for this? My conveyancing solicitor in Millom expressed confidence that it will be recorded in less than a month. Are titles in Millom uniquely lengthy to register?

As far as conveyancing in Millom registration is no quicker or slower than the rest of the country. Rather than based on location, timescales can adjust depending on who lodges the application, whether there are errors and whether the Land registry need to notify any other parties. Currently roughly three quarters of such applications are fully addressed in less than three weeks but occasionally there can be extensive delays. Registration takes place once the new owner is living at the property therefore registration formalities is not always primary concern but where it is urgent that the the registration takes place urgently then you or your conveyancer can communicate with the Registry to express the reasoning for the application to be prioritised.

I am buying a new build house in Millom with a mortgage from Nottingham Building Society. The sellers refused to reduce the price so I negotiated 6k of fixtures and fittings instead. The house builders rep told me not reveal to my solicitor about this deal as it would affect my mortgage with Nottingham Building Society. 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.

I have been on the look out for a flat up to £195,000 and identified one close by in Millom I like with a park and railway links nearby, however it only has 61 remaining years left on the lease. There is not much else in Millom in this price bracket, so just wondered if I would be making a grave error purchasing a lease with such few years left?

Should you require a mortgage the remaining unexpired lease term will likely be an issue. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the property for at least 2 years you can ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer concerning this.

I am due to review estimates for conveyancing in Millom from numerous solicitor and decide on one. Am I right to ask them to sit tight until I I have my bid accepted on a apartment.

We suggest that you wait to request your solicitor to open a file and order searches once the sales memo has been issued by the selling agent particularly as Millom conveyancing searches are not cheap.