We are selling our apartment in Streetly. Will my lawyer have to be on the Skipton conveyancing panel in order to deal with the discharge of my mortgage?

Ordinarily, even if your lawyer is not on the Skipton conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.

We are purchasing a property in Streetly. It might be a silly question but how we can trust a solicitor? At some point we have to deposit money into their account. What protection do we have from them run away with our money?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

My uncle pointed out to me me that in purchasing a property in Streetly there may be a number of restrictions as to what one can do in terms of external alterations to the property. Is this right?

We are aware of anumerous of properties in Streetly which have some sort of restriction or requirement of consent to external alterations. Part of the conveyancing in Streetly should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I am expecting a AIP from Co-operative 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 Co-operative recommend any Streetly solicitors on the Co-operative conveyancing panel, or is it better to go independently?

You will need to appoint Streetly solicitors independently although you'll need to choose one on the Co-operative conveyancing panel. The solicitor represents both you and Co-operative through the process.

I am buying a new build house in Streetly with a loan from Accord Mortgages Ltd. The sellers would not move on the price so I negotiated £7000 of additionals instead. The estate agent advised me not to tell my solicitor about the side-deal as it could affect my mortgage with Accord Mortgages Ltd. 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.

Taking into account that I will soon part with over three hundred thousand on a garden flat in Streetly I would like to have a conversation with the lawyer concerning thehouse move in advance of appointing the firm. Is this something that you can arrange?

This is something that we encourage - we would be happy to talk to you we do not take any clients on without you liaising with the solicitor who will be conducting your property ownership legalities in Streetly.There is no ‘factory style conveyancing’ - every client is an important individual, not a matter number. The solicitors that we put you in touch with believe that the fees you are quoted for your conveyancing in Streetly should be the figure that you are charged.

In searching the web for the term conveyancing in Streetly it brings up many solicitorsin the vicinity. With so much choice what is the best way to find the right property lawyer for me?

The preferential way of seeking a suitable conveyancer is through a trusted recommendation, so enquire of friends and those you trust who have bought a property in Streetly or a reputable estate agent or financial adviser. Costs for conveyancing in Streetly vary, so it's sensible to obtain a minimum of four quotes from different companies. Be sure to seek confirmation that the fees are fixed.