We instructed a Mortimer based solicitor for our conveyancing in Mortimer recently. Upon checking the terms of engagement I notewe are responsible for fees even where the conveyance does not complete. Would I be best advised to select an on-line solicitor practice advertising no completion no charge conveyancing in Mortimer?

It is usually a trade off in that if "No Sale No Fee" is offered then the conveyancing charges will generally be more expensive to counteract those cases that abort. Dont forget that such offerings tend not to protect you from disbursements e.g. Mortimer conveyancing search charges.

We were going to get a OIP from Nationwide this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Nationwide recommend any Mortimer solicitors on the Nationwide conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Mortimer solicitors independently although you'll need to choose one on the Nationwide conveyancing panel. The solicitor represents both you and Nationwide through the process.

I have instructed a Mortimer conveyancer having checked that they are on the Clydesdale conveyancing panel. Does my lawyer arrange the survey of the property?

Clydesdale will need an independent valuation of the property. Your lawyer will not arrange this. Usually Clydesdale will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Mortimer postcode. As you are getting a mortgage with Clydesdale, you could contact them to see if they have a list of approved surveyors in Mortimer.

Barclays have agreed my home loan in principle, my offer on a apartment in Mortimer has been accepted, what are the next steps?

Your property agent will need to know who your solicitors are (ensure that the solicitors are on the lender’s panel). Call up Barclays or the financial adviser and finish off any appropriate paperwork. Barclays will instruct a valuer who will get in touch with the selling agent or vendor to arrange an appointment. Once carried out (assuming no problems) it takes on average a week to get a mortgage offer. Barclays will issue the offer to you and your lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Mortimer.

What can a local search reveal about the house we're purchasing in Mortimer?

Mortimer conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search company such as Searches UK The local search plays a central part in many a Mortimer conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your property. The search will provide data on, amongst other things, details on planning applications applicable to the premises (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 13 topic areas.

I'm purchasing a new build house in Mortimer with a loan from Santander. The sellers refused to reduce the amount so I negotiated five thousand pounds worth of extras instead. The estate agent advised me not reveal to my conveyancer about this extras as it may impact my mortgage 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 need to retain a conveyancing solicitor for my conveyancing in Mortimer. I happened to stumble upon a web site which appears to be the ideal answer If it is possible to get all this stuff done via email that would be preferable. Should I be concerned? What are the potential pitfalls?

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?