We're in Aperfield, FTBs buying with a mortgage (lender is , and our lawyer is on the conveyancing panel). How long should the conveyancing process take?

The fact that your lawyer is on the conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no 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.

Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Aperfield?

There are two types of lawyers who can perform conveyancing in Aperfield namely CLC regulated conveyancers or solicitors. The two can provide conveyancing services that you need to complete the disposal or acquisition of property. They are both duty bound to carry out Aperfield conveyancing to the same quality and guidelines so you may be safe in the knowledge that your conveyancing will be properly carried out and that all necessary procedures should be suitably followed.

My uncle advised me that in buying a property in Aperfield there could be various restrictions prohibiting external alterations to a property. Is this right?

We are aware of a number of properties in Aperfield which have some sort of restriction or requirement of consent to perform external alterations. Part of the conveyancing in Aperfield should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I am currently in the process of buying my council flat in Aperfield. I have a mortgage agreed with . Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with , you will need to appoint a solicitor on the conveyancing panel.

I'm purchasing my first flat in Aperfield with the aid of help to buy. The builders would not budge the price so I negotiated 6k of extras instead. The sale representative suggested that I not to tell my solicitor about the extras as it may affect my loan with the lender. 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.

Due to the guidance of my in-laws I had a survey completed on a house in Aperfield in advance of retaining lawyers. I have been told that there is a flying freehold element to the property. Our surveyor has said that some mortgage companies will not give a mortgage on such a property.

It varies from the lender to lender. HSBC has different requirements for example to Nationwide. If you e-mail us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Aperfield. Conveyancing may be slightly more expensive based on your lender's requirements.

I'm converting the mortgage on my existing house to a buy to let mortgage with and intend to use the remaining equity as a deposit on further house. The area we are looking at is Aperfield. Will your solicitors be able to act for the two mortgage companies and link together the conveyances?

Do use our comparison tool on this site to be sure that the solicitors are approved by both mortgage companies. On the basis that they are the conveyancer should be able to simultaneously deal with the two transactions but you should have a chat with you conveyancer and make clear your expectations and requirements.