How do I find out if the solicitor conducting my conveyancing in Morpeth is on the lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for thus paying £187.00 plus VAT in another set of conveyancing costs.

Feel free to make the most of the search tool on this web page. Pick the mortgage company and type ‘Morpeth’ or your preferred area and you will discover a number of lawyer located in Morpeth or near you.

What can a local search reveal about the house my wife and I purchasing in Morpeth?

Morpeth conveyancing often starts with the ordering local authority searches directly from your local Authority or via a personal search organisations such as Searchflow The local search is essential in every Morpeth conveyancing purchase; that is if you don’t want any nasty once you have moved into your property. The search should reveal information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic areas.

I have justbeen informed that Stirling Law have closed. They carried out my conveyancing in Morpeth for a purchase of a leasehold flat 10 months ago. How can I be sure that the property is in my name in the name of the former proprietor?

The easiest method to check if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Morpeth conveyancing specialists.

I'm purchasing a new build house in Morpeth with a loan from . The builders would not move on the price so I negotiated £7000 of additionals instead. The estate agent advised me not disclose to my lawyer about this side-deal as it will put at risk my loan 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.

I am just shy of a 10% deposit on my house purchase in Morpeth , but I am anxious go ahead. What can I do?

You can agree a smaller deposit. Many vendors will agree to a smaller deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.

You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last moment