Me and my fiance are purchasing a ground floor flat in Whimple. My Conveyancer is not on the mortgage company solicitor list. Am I still permitted to appoint my Whimple conveyancing solicitor notwithstanding that they are excluded from the mortgage company panel?

Your options include

• Proceed with your existing Whimple conveyancer but your bank will no doubt instruct a solicitor on their approved panel. This will result in additional charges and likely delay.
• Get a new property lawyer to conduct the conveyancing, making sure they are on the mortgage company conveyancing panel.
• Appeal to your solicitor to seek to join the mortgage company panel

Should our conveyancer be asking questions concerning flooding as part of the conveyancing in Whimple.

Flooding is a growing risk for solicitors dealing with homes in Whimple. There are those who buy a house in Whimple, completely expectant that at some time, it may be flooded. However, leaving to one side the physical destruction, where a house is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or dispose of the premises. There are steps that can be taken during the course of a property purchase to forewarn the purchaser.

Conveyancers are not qualified to offer advice on flood risk, however there are a number of searches that may be undertaken by the buyer or on a buyer’s behalf which will give them a better appreciation of the risks in Whimple. The standard property information forms sent to a buyer’s lawyer (where the Conveyancing Protocol is adopted) contains a usual inquiry of the seller to find out if the premises has ever been flooded. If the property has been flooded in past and is not disclosed by the vendor, then a buyer could bring a compensation claim stemming from an incorrect response. A buyer’s lawyers will also commission an environmental report. This should higlight if there is a recorded flood risk. If so, more detailed investigations will need to be initiated.

Due to the guidance of my in-laws I had a survey completed on a property in Whimple before retaining solicitors. I have been advised that there is a flying freehold overhang to the property. Our surveyor advised that some banks may not grant a loan on this type of property.

It depends who your proposed lender is. Santander has different requirements from Halifax. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Whimple. Conveyancing may be slightly more expensive based on your lender's requirements.

What tools are available to identify a Whimple law firm on the Barclays Direct conveyancing panel? I drive a motor bike and am prepared to travel upto 25miles to meet the solicitor.

You can use the facility on this website. Please pick a lender and your location and you will see a number of Whimple conveyancing lawyers located nearest you. We have listed some Whimple conveyancing firms towards the end of this page and you can telephone them to check whether they are on the Barclays Direct approved list

I require the services of a lender panel solicitor in Whimple. Can you assist?

It is not clear why you need a Whimple panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to the mortgage company to find out which solicitors in Whimple are on their panel . If you do find such a firm in Whimple not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site