I selected a high street solicitor for my conveyancing in Mousehole recently. Looking through the Ts and Cs I notewe are responsible for fees even if the movedoes not proceed. Would I be best advised to use an on-line firm promoting no move no charge conveyancing in Mousehole?

It is usually ‘give and take’ in that if "No Sale No Fee" is offered then the conveyancing charges will tend to be be uplifted to cover those transactions that do not go ahead. Please beware that such arrangements tend not to cover expenditure such as Mousehole conveyancing search charges.

We wanted to use a property lawyer in Mousehole for our house purchase. Our broker informed us that our mortgage company Coventry Building Society won't deal with them. Surely this is unfair competition?

Pre- 2008 most mortgage companies had a different appetite for risk. Almost all Mousehole conveyancing firms would have been on many lender panels. The financial services regulator in 2010 carried out a thematic investigation into mortgage fraud which concluded: know the conveyancing solicitors dealt with. Consequently, lenders have regularly sought more information from law firms relating to their operations and their employees and set certain criteria such a completing on a minimum amount of transactions. Many Mousehole conveyancing firms that have been excluded from lender panels have Unblemished track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Mousehole is one of the numerous locations where the lawyers showing on our search results are members of the panel for Coventry Building Society.

Over the last few months I have been searching for a leasehold apartment up to £195,000 and identified one round the corner in Mousehole I like with open areas and station nearby, however it only has 49 years on the lease. I can't really find anything else in Mousehole in this price bracket, so just wondered if I would be making a grave error acquiring a lease with such few years left?

If you need a home loan the remaining unexpired lease term will be a potential deal breaker. Reduce the offer by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least 2 years you could request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should speak to your conveyancing solicitor about this.

Given that I will soon spend hundreds of thousands of pounds on a terraced house in Mousehole I wish to talk to a solicitor about myhome move before giving the go ahead to the firm. Can this be arranged?

This is something that we recommend - it is our preference to talk to you we do not take any clients on without you speaking to the lawyer due to be carrying out your property ownership legalities in Mousehole.There is no ‘factory style conveyancing’ - every client is an important person, not a matter reference. The law firms that we put you in touch with believe that the figure you are quoted for your conveyancing in Mousehole should be the amount on the final invoice that you end up paying.

We are in the middle of purchasing a house in Mousehole. Conveyancing lawyer has phoned to say the property is "Leasehold". Will this likely impact our mortgage valuation?

Mousehole conveyancing does not usually involve leasehold houses. The key factor here is the length of lease and the ground rent. If there are over a hundred years remaining with a peppercorn rent, it's almost the same as freehold, so it shouldn't impact the value significantly.

At the other extreme, if it's, say, fifty five years it is bound to have a significant effect on the saleability, and probably wouldn't be acceptable to the lender. The remaining lease term and ground rent will be set out in the lease to be supplied to your conveyancing practitioner.