We just had an offer accepted to purchase with Melton Mowbray Building Society. We have called around locally yet am struggling to find a East Cowes conveyancing firm on the Melton Mowbray Building Society approved list. Please you help?

Please do make use of the find a lender approved solicitor tool on this page. Pick the building society and type East Cowes or your location and you will discover numerous solicitors based in East Cowes or near you.

I am purchasing a new build house in East Cowes with a loan from Norwich and Peterborough Building Society. The sellers would not move on the amount so I negotiated five thousand pounds worth of extras instead. The sale representative suggested that I not disclose to my solicitor about the side-deal as it will put at risk my loan with the lender. 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.

I've recently found out that there is a flying freehold element on a property I put an offer in a fortnight ago in what should have been a straight forward, no chain conveyancing. East Cowes is the location of the property. Can you shed any light on this issue?

Flying freeholds in East Cowes are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside East Cowes 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 East Cowes 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 property.

I need to retain a conveyancing solicitor for my conveyancing in East Cowes. I have chance upon a site which seems to have the ideal solution If there is a chance to get all this stuff done via email that would be ideal. Should I be wary? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

My wife and I accepted an offer on a East Cowes bungalow left to us ten years ago in 2011. I have over a decades worth of conveyancing experience and, although retired, see no reason not to do my own conveyancing. The purchaser's conveyancing practitioner has informed me that their mortgage company will not allow us to do our own conveyancing as they require the funds to be transferred to a solicitor's bank account.

Lending requirements to lawyers from all mainstream lenders specify that If the vendor is not legally represented the purchaser’s lawyers should check whether the mortgage company needs to be told so that a decision can be reached if they are prepared to proceed.