We were going to get a AIP from this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do recommend any Copthorne solicitors on the conveyancing panel, or is it better to go independently?

You will need to appoint Copthorne solicitors independently although you'll need to choose one on the conveyancing panel. The solicitor represents both you and through the process.

Completion of my remortgage has taken place for my property in Copthorne. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are resolved effectively and efficiently. 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.

I recently had an offer accepted on an apartment in Copthorne. My mortgage broker recommended their conveyancers. I paid an advanced payment of £150. A couple of days later, the contacted me to say that they were not on the conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

What does a local search inform me regarding the house I am purchasing in Copthorne?

Copthorne conveyancing often starts with the applying for local authority searches directly from your local Authority or through a personal search organisations for example Searchflow The local search plays a central role in most Copthorne conveyancing purchase; that is if you don’t want any nasty surprises after you move into your new home. The search should reveal data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject headings.

I've recently found out that there is a flying freehold element on a property I put an offer in last month in what should have been a quick, no chain conveyancing. Copthorne is where the house is located. Is there any advice you can impart?

Flying freeholds in Copthorne are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Copthorne you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Copthorne may ascertain 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 premises.

Am I right to be wary about brokers that I am dealing with are recommending a web based conveyancing firm as opposed to a High Street Copthorne conveyancing firm?

As with lots of professional services, often input from relatives can be very helpful. Nevertheless there are many parties with a keen interest in a conveyancing transaction; estate agents, mortgage brokers and mortgage companies may suggest conveyancers to select. Sometimes the conveyancers might be known to one of the organisations as one of the best in their field, but sometimes there exists a financial incentive behind the recommendation. You are at liberty to appoint your own lawyer. You need to be aware that most lenders specify a panel list of lawyers you are obliged to use for the lender related work in your home move.

Our lender agreed in principle to give us a mortgage. We appointed a high street conveyancer in Copthorne last week. This morning, our financial adviser phoned to advise us that the lender said that we cannot use our solicitor as they aren't on their panel. As FTB's, we had no idea that the bank had some control over our choice Is this allowed?

You can actually use any conveyancing solicitor you want to appoint including the said conveyancer in Copthorne however if your mortgage company aren't happy with them you must incur additional cost so the mortgage company can appoint their own solicitors as well to protect their interest. sometimes it is conceivable that your solicitor may apply to get included on to the lender list of approved firms. You can use online tools such as lenderpanel.com to find a conveyancing solcitor in Copthorne on the mortgage company panel. You can go into your high street mortgage company branch in Copthorne. They will know some good conveyancing solicitors in Copthorne on the bank panel.