I am buying property in West Ewell. My lawyer is not on the bank solicitor list. Am I still permitted to appoint my West Ewell conveyancing solicitor notwithstanding that they are excluded from the mortgage company list of approved lawyers?

You must appoint a conveyancer to deal with the legal work required if you take out a loan to purchase your home. The lawyer will conduct all the necessary legal checks on the property, ensuring that you’re registered as proprietor and ensure that all the necessary mortgage documentation is dealt with. You could appoint a West Ewell conveyancing practitioner of your choosing. Nevertheless, where the conveyancing practitioner selected is not a member of the bank solicitor panel supplemental charges will arise as separate legal representation will be required by them. Lender panel applications can be submitted, so if your solicitor has not historically sought membership they should do so.

My conveyancer has discovered a a problem with the lease for the apartment we are buying in West Ewell. The other side have put forward title insurance as a solution. We are happy with insurance and will pay for it. Our property lawyer has advised that he must ensure that the mortgage company is happy with this solution. Are we the client or is the mortgage company ?

The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the mortgage company are the client. Your solicitor must comply with the UK Finance Lenders’ Handbook provisions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the mortgage company can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your property lawyer will have no choice but to discontinue acting for you.

I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to take this when acquiring a property in West Ewell? or I am told that there is a law dating back centuries that could mean that homeowners residing in a parish church boundary will be compelled to contribute towards repairs towards the chancel in proximity to the church. Is this appropriate for conveyancing in West Ewell?

Unless a prior purchase of the premises completed after 12 October 2013 you may expect solicitors handling conveyancing in West Ewell to continue to recommend a chancel search and or chancel repair liability insurance.

I am buying my first flat in West Ewell with a mortgage from Yorkshire Building Society. The builders would not reduce the price so I negotiated £7000 of extras instead. The house builders rep advised me not reveal to my solicitor about the side-deal as it could jeopardize my loan with the lender. 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.

Been searching for a solicitor for leasehold sale conveyancing in West Ewell. I'm selling, simple no mortgage to discharge, no hurry, no onward purchase. Received a quote from a lawyer for nine hundred pounds excluding VAT which is a little expensive considering its so straightforward. Is it possible to find less expensive fees for conveyancing in West Ewell?

As it’s a sale only, £500 + VAT is likely to be about the lowest for sale conveyancing in West Ewell.