At long last a mortgage agreement from NatWest for the refinancing of my 3 bedroom apartment is coming within the next few days. Could you recommend a cheap conveyancing solicitor in Carlton?

You are on the wrong site if you are seeking the lowest fares for conveyancing solicitors in Carlton. Our intention is to offer cost effective conveyancing but we do not work with the cheapest lawyers. Do not be fooled by companies offering the bait of £99 conveyancing in Carlton. In your best case scenario, in being led by cheap conveyancing, you will get your money’s worth and at worst you will end up spending a lot in extras and still not get the service you were hoping for.

I own a freehold residence in Carlton but still pay rent, why is this and what is this?

It is rare for properties in Carlton and has limited impact for conveyancing in Carlton but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back hundreds of years, but the Rent Charge Act 1977 barred the creation of fresh rentcharges post 1977.

Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence post 2037 is to be dispensed with completely.

I'm buying my first flat in Carlton with the aid of help to buy. The sellers would not move on the amount so I negotiated five thousand pounds worth of additionals instead. The estate agent advised me not reveal to my lawyer about the deal as it could jeopardize my mortgage with Britannia. Is this normal?.

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 opted to have a survey done on a house in Carlton before retaining lawyers. I have been informed that there is a flying freehold aspect to the house. My surveyor has said that some banks will not issue a loan on such a home.

It varies from the lender to lender. Lloyds has different requirements from Halifax. Should you wish to call us we can investigate further via 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 Carlton. Conveyancing may be slightly more expensive based on your lender's requirements.

How do I use the search tool to locate a conveyancing practitioner in Carlton on the panel for my lender?

Step one is to pick a mortgage company such as Lloyds TSB Bank, The Royal Bank of Scotland or TSB then type in your preferred area for instance Carlton. Conveyancing practices in Carlton and beyond should be listed.