I am considering mortgaging my apartment in Dockland Settlement, does my lawyer have to be on the Coventry BS Solicitor panel?

There is nothing to stop you using your solicitor, but Coventry BS will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.

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

There are two types of lawyers who can conduct conveyancing in Dockland Settlement namely licenced conveyancers or solicitors. Both professionals provide conveyancing services that you need to complete the disposal or purchase of property. They are both obliged to conduct Dockland Settlement conveyancing on similar quality and guidelines so you may be sure that your conveyancing will be professionally conducted and that all necessary steps should be accurately followed.

Can you point me to a directory of Kent Reliance panel solicitors in Dockland Settlement on the Council of Mortgage Lender’s Website?

No. There is no such tool on the CML or Building Society Association sites. A small selection of mortgage companies make their panel listings open the public on the web. Where you are in need of a Dockland Settlement conveyancer on the Kent Reliance please use our facility.

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

Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

Me and my brother have a renovated Georgian property in Dockland Settlement. Conveyancing solicitor represented me and Nationwide Building Society. I did a free Land Registry search last week and there are a couple of entries: the first freehold, the second leasehold under the matching property. I thought I was buying a freehold how can I check?

You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Dockland Settlement and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with your conveyancing solicitor who carried out the work.

I am buying my first flat in Dockland Settlement with a mortgage from Norwich and Peterborough Building Society. The developers refused to reduce the price so I negotiated 6k of additionals instead. The property agent suggested that I not inform my conveyancer about this deal as it will put at risk my mortgage with the bank. Is this normal?.

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.

Yesterday I discovered that there is a flying freehold element on a property I have offered on two weeks back in what was supposed to be a quick, chain free conveyancing. Dockland Settlement is the location of the property. What do you suggest?

Flying freeholds in Dockland Settlement are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Dockland Settlement you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Dockland Settlement may decide 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.