IfI were to buy a freehold housein Addiscombe mortgage fee and have no survey and no conveyancing searches how much could I expect to to save on my conveyancing in Addiscombe?

The sole saving you would achieve is the disbursement for searches. A solicitor still be obliged to do everything else - money laundering, communicating with the sellers conveyancing practitioner, SDLT return, register the title etc. A slight saving might be made by not needing to register a mortgage however it won't be meaningful.

We're in Addiscombe, First time buyers buying with a mortgage (lender is Leeds Building Society , and our solicitor is on the Leeds Building Society conveyancing panel). How long should the conveyancing process take?

The fact that your lawyer is on the Leeds Building Society conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no solicitor should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.

We have a mortgage agreed in principle with Skipton. Addiscombe conveyancing solicitors are appointed. What is the average time that one could expect to receive a mortgage offer from Skipton?

There is no definitive answer here. Have Skipton done the survey? Have you advised Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

The formalities of my remortgage has taken place for my property in Addiscombe. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

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. Ordinarily 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, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.

I've digested plenty of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Addiscombe solicitor - who is on the Nationwide conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?

Nationwide will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nationwide will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Addiscombe surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

I've recently found out that there is a flying freehold issue on a property I have offered on a fortnight ago in what should have been a simple, chain free conveyancing. Addiscombe is the location of the property. Can you offer any opinion?

Flying freeholds in Addiscombe are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Addiscombe you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Addiscombe may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

How easy is it to transfer to a new firm as I have to choose one who is on the Barclays Direct conveyancing panel. I hired a family conveyancing solicitor in Addiscombe five minutes from me but the firm is not accepted by Barclays Direct

We will our best to assist in finding you a conveyancing solicitor in Addiscombe on the Barclays Direct panel. Please note that the conveyancers that we on the directory do not pay us a referral fee if you instruct them and are regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Addiscombe. In utilising the find a conveyancing solicitor tool on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Addiscombe.