I decided to go with a local solicitor for my conveyancing in Southend On Sea today. Reviewing the fine print I seewe are responsible for charges even if the movefalls through. Should I ditch them and appoint an on-line solicitor practice offering no move no charge conveyancing in Southend On Sea?

Generally there is a compromise along the lines that if "No Sale No Fee" is advertised then the fee levels will generally be more expensive to offset the transactions that do not proceed. Do bear in mind that such promotions tend not to cover disbursements for instance Southend On Sea conveyancing search charges.

It is a dozen years since I purchased my property in Southend On Sea. Conveyancing solicitors have recently been instructed on the sale but I am unable to track down the deeds. Will this jeopardise the sale?

You need not be too concerned. First there is a possibility that the deeds will be with your lender or they could be in the possession of the conveyancers who oversaw your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Almost all conveyancing in Southend On Sea involves registered property but in the unlikely event that your property is not registered it is more tricky but is not insurmountable.

Do the Building Society Association intend to launch a online directory to to identify firms on the Loughborough BS conveyancing panel for instance in Southend On Sea?

Lexsure has not been advised of any plans on the part of the BSA to promote such a register.

I'm purchasing a new build house in Southend On Sea with a loan from Lloyds TSB Bank. The builders refused to reduce the price so I negotiated £7000 of extras instead. The sale representative told me not to tell my solicitor about the side-deal as it will adversely affect my mortgage with Lloyds TSB Bank. Should I keep quiet?.

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 decided to have a survey carried out on a property in Southend On Sea ahead of appointing lawyers. I have been informed that there is a flying freehold overhang to the property. My surveyor has said that some lenders tend refuse to give a loan on such a home.

It varies from the lender to lender. HSBC has different instructions from Halifax. If you e-mail us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Southend On Sea. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Southend On Sea to see if the conveyancing costs will increase in light of this.