We are purchasing a house and require a conveyancing solicitor in Warsash who is on the conveyancing panel. Can you recommend a local solicitor?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for . We don't recommend any particular firms conducting conveyancing in Warsash.

When it comes to mortgage companies such as , do Warsash incur an annual charge to be on the conveyancing panel?

We are not aware of any mortgage company fees to register on their list of approved firms, although some do charge an administration charge to deal with the processing of the conveyancing panel application.

I had a mortgage agreed in principle with . Warsash conveyancing solicitors have been appointed. What is the average time that one could expect to receive a mortgage offer from ?

There is no definitive answer here. Have conducted the survey? Have you informed as to your lawyers' details and checked that your lawyers are on the conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

Completion of my remortgage has taken place for my property in Warsash. Conveyancing was of an acceptable standard 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 Team at head office. In most cases complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

I am purchasing a new build house in Warsash with the aid of help to buy. The sellers would not reduce the amount so I negotiated £7000 of additionals instead. The house builders rep told me not disclose to my lawyer about this side-deal as it would affect my loan with . 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.

I am looking for a leasehold apartment up to £305k and identified one round the corner in Warsash I like with open areas and transport links nearby, the downside is that it only has 51 years unexpired on the lease. I can't really find anything else in Warsash for this price, so just wondered if I would be making a mistake acquiring a lease with such few years left?

Should you need a mortgage the shortness of the lease will be an issue. Reduce the price by the expected lease extension will cost if not already taken into account. If the current proprietor has owned the property for at least twenty four months you could request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease term and have £0 ground rent by law. You should consult your conveyancing lawyer concerning this.

Warsash Leasehold Conveyancing - Examples of Queries before Purchasing

Many Warsash leasehold apartments will be liable to pay a service charge for the upkeep of the building levied by the landlord. If you acquire the flat you will have to meet this amount, normally quarterly accross the year. This can differ from a few hundred pounds to thousands of pounds for bigger purpose-built blocks. There will also be a ground rent to be met annual, this is usually not a large amount, say around £50-£100 but you need to enquire as sometimes it can be many hundreds of pounds. Does the lease have onerous restrictions?