My uncle passed away six months ago and as sole heir and executor I was left the property in Hilsea. The house had a small mortgage left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to Barclays, pay off the mortgage. Is this allowed?

If you plan to refinance then Barclays will require that you use a conveyancer on the Barclays 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 Barclays 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 Barclays mortgage is registered as a charge at the Land Registry.

I am buying a detached bungalow in Hilsea. Our aim is to carry out an extension to the side at the house.Will the conveyancing process involve checks to see if these works are prohibited?

Your conveyancer will review the registered title as conveyancing in Hilsea will sometimes reveal restrictions in the title deeds which prohibit categories of alterations or need the permission of another owner. Many extensions need local authority planning permissions and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor prior to committing yourself to a purchase.

How can we know in advance if a Hilsea conveyancing solicitor on the Lloyds panel is any good?

When it comes to conveyancing in Hilsea getting recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor handling your conveyancing.

My husband and I have arranged a further advance on our mortgage from Leeds Building Society as we intend to carry out alterations to our house in Hilsea. Are we obliged to appoint a high street Hilsea solicitor on the Leeds Building Society conveyancing panel to deal with the paperwork?

Leeds Building Society don't usually require firms on their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Leeds Building Society panel.

I am purchasing a new build house in Hilsea with a loan from Britannia. The builders refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The house builders rep suggested that I not inform my solicitor about this deal as it may affect my loan with the lender. Should I keep quiet?.

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.

How do I use your search app to select a conveyancing lawyer in Hilsea on the authorised to act for my bank?

1st select a mortgage company such as Lloyds TSB Bank, Chelsea Building Society or Bank of Ireland then choose your location e.g. Hilsea. Conveyancing organisations in Hilsea and further afield will then be shown.

My 20yr old son is embarking on her first house purchase, the home loan was agreed last week in principle. One the seller agreed the offer on the house we contacted the mortgage institution to go forward with his. I was shocked to learn that mortgage companies do not accept all conveyancing practitioner, they must be on their panel, is this correct?

Lenders ordinarily imposes restrictions either the type or the number of conveyancing solicitors on their approved list of lawyers. Typical examples of such restriction(s) being that a firm must have two or more partners. In addition to restricting the type of firm, some have decided to limit the number of firms they use to represent them. You should note that lenders have no responsibility for the quality of advice provided by any Hilsea conveyancing practitioner on their panel. Mortgage fraud was a key driver in the rationalisation of conveyancing panels a few years ago and whilst there are differing views about the extent of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that thousands of law firms only carry out one or two conveyances a year. Those supporting conveyancing panel cuts ask why law firms should have the right to be on a Lender panel when clearly, conveyancing is not their speciality. To put it another way; would you want a conveyancing solicitor to represent you if you were charged with a crime? Probably not.