My husband and I wish to acquire a 2 bedroom flat in Heathrow with a mortgage from .We use our Heathrow conveyancing practitioner but advised that he's not listed on their approved list of firms. We have to appoint a panel lawyer or keep our high street solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that use our lawyer?

Unfortunately,no. The mortgage offered to you contains terms and conditions, a common one being that lawyers will be on the conveyancing panel. in the past, most mortgage companies had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for

I'm buying my first flat in Heathrow with a mortgage from . The developers refused to budge the amount so I negotiated £7000 of additionals instead. The estate agent told me not disclose to my solicitor about the extras as it will jeopardize my mortgage with the lender. 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've recently found out that there is a flying freehold element on a property I put an offer in last month in what was supposed to be a quick, no chain conveyancing. Heathrow is the location of the property. Can you offer any assistance?

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

My uncle has urged me to use his conveyancers in Heathrow. Should I use them?

No doubt the best way to choose a conveyancing practitioner is to have recommendations from friends or family who have experience in using the conveyancer you're considering.

How much experience do your Heathrow conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?

Heathrow conveyancing lawyers help thousands of buyers move home every year and assisted lots of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Heathrow conveyancers have worked on recent similar matters.