We had selected conveyancers with offices in Shinfield and Arborfield on the Skipton solicitor panel. They have just invoiced me a further amount for the legal aspects of the Skipton mortgage. Is this an additional conveyancing fee set by Skipton?

Unfortunately, so long as it is in their Terms of Engagement or estimate then yes your conveyancer can levy a fee for this. The fee is not dictated by Skipton but by your Shinfield and Arborfield conveyancing practitioner. Numerous firms on the Skipton panel will levy ’dealing with mortgage’ fee but plenty of firms incorporate it on their overall fee.

We were going to get a DIP from RBS this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do RBS recommend any Shinfield and Arborfield solicitors on the RBS conveyancing panel, or is it better to find our own lawyer?

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

The formalities of my remortgage has taken place for my property in Shinfield and Arborfield. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

I am purchasing my first flat in Shinfield and Arborfield benefiting from help to buy. The developers refused to move on the amount so I negotiated five thousand pounds worth of extras instead. The house builders rep suggested that I not inform my solicitor about this deal as it would jeopardize my mortgage with the bank. 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've recently found out that there is a flying freehold element on a property I have offered on last month in what was supposed to be a quick, no chain conveyancing. Shinfield and Arborfield is the location of the property. What do you suggest?

Flying freeholds in Shinfield and Arborfield are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Shinfield and Arborfield you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Shinfield and Arborfield may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

What does commercial conveyancing in Shinfield and Arborfield cover?

Shinfield and Arborfield conveyancing for business premises covers a wide array of advice, offered by qualified solicitors, relating to business property. For instance, this type of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.

I need to retain a conveyancing solicitor for purchase conveyancing in Shinfield and Arborfield. I have stumble across a site which seems to have the ideal offering If it is possible to get all the legals completed via email that would be ideal. Do I need to be concerned? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?