Some advice if I may. My Camberley lawyer is assuring me that he is legally obliged toconduct Camberley conveyancing searches becausethe firm are on the Virgin Moneyconveyancing panel. Is this really necessary?

You have limited options available to you. As you are obtaining a home loan with a bank your conveyancer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your solicitor would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to comply with the CML Handbook requirements . Even if you were a cash buyer you would be ill advised not to carry out Camberley conveyancing searches.

I am aiming to move property in March. Does my conveyancing solicitor liaise with the removal company on the completion day. As an aside, can you put forward a removal company in Camberley. Conveyancing firm was chosen prior to coming across your site.

On the day of completion you will need to collect the house keys from the selling agent but this should only happen once the sellers conveyancers confirm to the agent that they have the completion monies and the keys can be released. After that you should inform the removal company that they can start moving you in. We are not in a position to recommend a particular removal company but can help you find a residential property solicitor in Camberley or a legal practice that specialises in conveyancing in Camberley.

We previously selected conveyancers based in Camberley on the Aldermore solicitor panel. They have just billed me a separate sum for the legal aspects of the Aldermore mortgage. Is this an additional conveyancing fee specified by Aldermore?

Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your conveyancing practitioner may levy a fee for this. The charge is not dictated by Aldermore but by your Camberley property lawyer. Some firms on the Aldermore panel will quote an ‘acting for lender’ fee but many firms incorporate it on their overall fee.

My wife and I are in the process of viewing houses in Camberley and I am now considering a potential offer. Should I already have a conveyancing practitioner in place at this point? I am planning to take a mortgage with TSB.

It would be wise to instigate your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their contact information on to the selling agent. As you are taking out a mortgage with TSB, ask your prospective lawyers if they are on the TSB conveyancing panel otherwise they can't do the mortgage legal work.

I require quick conveyancing in Camberley as I am under a deadline to sign on the dotted line inside one month. Thankfully I do not need a mortgage. Can I escape the need for conveyancing searches to save fees and time?

As you are not getting a home loan you are at free not to have searches carried out although no solicitor would advise that you don't. With plenty of history conveyancing in Camberley the following are instances of issues that can be revealed and adversely affect future saleability: Enforcement Notices, Outstanding Charges, Outstanding Grants, Road Schemes,...

I am buying a new build house in Camberley with the aid of help to buy. The builders refused to move on the amount so I negotiated five thousand pounds worth of extras instead. The sale representative told me not to tell my conveyancer about the extras as it will jeopardize my mortgage with the lender. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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.

I own a leasehold flat in Camberley. Conveyancing and Barclays mortgage went though with no issue. A letter has just been received from someone saying they have taken over the freehold. Attached was a ground rent demand for rent dating back to 1992. The conveyancing practitioner in Camberley who acted for me is not around. Do I pay?

First contact HMLR to be sure that the individual claiming to own the freehold is in fact the new freeholder. You do not need to instruct a Camberley conveyancing solicitor to do this as it can be done on-line for less than a fiver. Rest assured that regardless, even if this is the legitimate freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.

Camberley Leasehold Conveyancing - A selection of Questions you should ask before Purchasing

What prohibitions exist in the Camberley Lease? Who manages the block? Are any of leasehold owners in arrears of their service charge liability?