Can you help? My Sneinton conveyancer is advising me that he has toconduct Sneinton conveyancing searches becausethe firm are on the Santanderapproved lawyer panel. These Sneinton searches cost a lot of money can this be avoided?

You have limited options available to you. As you are taking a home loan with a lender your conveyancer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your conveyancer would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements . Even if you were a cash buyer you would be ill advised not to carry out Sneinton conveyancing searches.

I have just over seventy years unexpired on my lease and require a lease extension for my flat in Sneinton. Conveyancing solicitors on the Chelsea Building Society panel can deal with such extensions correct?

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 25/4/2024 the requirements read as follows :

I am purchasing a new build house in Sneinton benefiting from help to buy. The sellers refused to reduce the price so I negotiated 6k of fixtures and fittings instead. The property agent advised me not disclose to my solicitor about this side-deal as it may affect my loan with the lender. Should I keep quiet?.

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.

Due to the input of my in-laws I had a survey completed on a property in Sneinton in advance of appointing solicitors. I have been informed that there is a flying freehold aspect to the property. My surveyor advised that some mortgage companies will not grant a mortgage on a flying freehold home.

It varies from the lender to lender. Bank of Scotland has different requirements for example to Halifax. Should you wish to call us we can look into this further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Sneinton. Conveyancing may be slightly more expensive based on your lender's requirements.

Taking into account that I am about to spend hundreds of thousands of pounds on 3 bedroom house in Sneinton I wish to talk to a solicitor about myhome move ahead of appointing the firm. Can this be arranged?

We could not agree more - we would be delighted to talk to you we do not take any clients on without you liaising with the lawyer due to be conducting your conveyancing in Sneinton.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 fees you are quoted for your conveyancing in Sneinton should be the figure that you are charged.