I have just started taking steps with a view to switching my current residential mortgage to a BTL Clydesdale mortgage. I was told by my mortgage that I need a solicitor as part of the process. I got in contact with my previous Ellesmere Port conveyancing firm who acted on my behalf when I first bought the property. The quote they've given of £470 has shocked me as its a refinance than a sale or purchase.

The quote is slightly on the high side. If you are happy to expend time contrasting charges you could shave off some of the expense by say a hundred pounds. On the other hand, assuming were pleased with the legal work the firm offered you mightcome to regret choosing an a cheaper lawyer. Don't forget to ensure the firm can represent Clydesdale. Do utilise our search tool to get a quote a Ellesmere Port conveyancing firm on the Clydesdale approved list of lawyers, which can often include conveyancing solicitors in Ellesmere Port.

My grandmother passed away last year and as sole heir and executor I was left the property in Ellesmere Port. The house had a small mortgage left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Coventry BS, pay off the mortgage. Is this possible?

Where you intend to re-mortgage then Coventry BS will insist on your using a conveyancer on the Coventry BS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Coventry BS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Coventry BS mortgage is registered as a charge at the Land Registry.

Me and my brother have a terraced Georgian house in Ellesmere Port. Conveyancing solicitor represented me and Platform Home Loans Ltd. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold under the exact same address. If a house is not a freehold shouldn't I have been informed?

You need to review 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ellesmere Port and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the position with the conveyancing lawyer who carried out the work.

I am purchasing a new build house in Ellesmere Port with a loan from Coventry Building Society. The builders refused to move on the price so I negotiated five thousand pounds worth of additionals instead. The property agent advised me not reveal to my lawyer about the extras as it could affect my loan with the lender. Should I keep quiet?.

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.

Yesterday I discovered that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Ellesmere Port is where the house is located. Can you shed any light on this issue?

Flying freeholds in Ellesmere Port 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 Ellesmere Port you would need to get your solicitor to go 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 Ellesmere Port 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.