I am in need of a conveyancer. Should I go for for an online conveyancer rather than a high street Woodingdean conveyancing solicitor?

Existing third party connections is an important consideration when appointing conveyancing solicitors. Woodingdean conveyancers enjoy long term relationships with lenders and property, local authorities, surveyors and other law firms meaning the whole process is going to be much more straightforward for you. Having years of insight into the local area is an advantage.

I am getting closer to an exchange on a house in Woodingdean and my mum and dad have transferred the exchange deposit to my solicitor. I am now told that as the deposit has been received from someone other than me my property lawyer needs to disclose this to my lender. Apparently, in also acting for the lender he must inform them that the balance of the purchase price is not just from me. I advised the bank regarding my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?

The solicitor is obliged to clarify with lender to ensure that they know that the balance of the purchase price is not from your own resources. Your solicitor can only notify this to your bank if you permit them to, failing which, your lawyer must cease to continue acting.

This question may be naive but I am unseasoned as a 1st time buyer of a ground floor flat in Woodingdean. Do I pick up the keys to the house on the completion date from my lawyer? If this is the case, I will instruct a High Street conveyancing solicitor in Woodingdean?

On the day of completion you do not need to go to the conveyancers office in Woodingdean. Your solicitors will transfer the purchase money to the vendor’s solicitors, and shortly after the monies have arrived, you should be able to collect the keys from the selling Agents and move into your new home. Usually this occurs between 1 and 3pm.

Completion of my remortgage has taken place for my property in Woodingdean. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?

All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

Principality have agreed my mortgage in principle, my offer on a property in Woodingdean has been accepted, now what?

The estate agent will want to be informed of your conveyancing practitioner's details (be sure the property lawyers are on the bank’s approved list). Telephone Principality or your broker and finish off any relevant documentation. Principality will instruct a valuer who will get in touch with the selling agent or owners to book an appointment. Once conducted (assuming no problems) it takes about ten days to get a mortgage offer. Principality will issue the offer to you and your conveyancing practitioners. The legal work will then take it’s course according the nature and complexity of the conveyancing in Woodingdean.

I am purchasing my first flat in Woodingdean benefiting from help to buy. The developers refused to move on the amount so I negotiated 6k of extras instead. The sale representative told me not disclose to my conveyancer about the deal as it would adversely affect my loan with Virgin Money. 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.

My father-in-law has urged me to appoint his conveyancers in Woodingdean. Should I find my own solicitor?

No doubt the ideal way to select a conveyancing solicitor is to have referrals from friends or relatives who have actually used the conveyancer that you are are thinking of instructing.