I am acquiring a brand new apartment in Raynes Park and my lawyer is advising me that she is duty bound to the lender to reveal incentives from the builder. The Estate Agents are hassling me to exchange and I don't want to prolong deal. is my lawyer playing by the book?

You should not exchange unless you have been advised to do so by your solicitor. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook requirements. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

Do I need to pay for insurance to protect me from financial exposure to chancel repairs when purchasing a house in Raynes Park?

Unless a prior acquisition of the house took place post 12 October 2013 you may take it that conveyancing practitioners conducting conveyancing in Raynes Park to continue to suggest a chancel search and or chancel repair liability policy.

I am looking for a flat up to £245,000 and identified one close by in Raynes Park I like with a park and railway links nearby, the downside is that it's only got 49 years on the lease. There is not much else in Raynes Park for this price, so just wondered if I would be making a mistake purchasing a short lease?

Should you need a home loan the shortness of the lease will be an issue. Discount the price by the amount the lease extension will cost if not already taken into account. If the existing owner has owned the premises for at least 2 years you can ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should speak to your conveyancing solicitor about this matter.

I need to instruct a conveyancing solicitor for leasehold conveyancing in Raynes Park. I've chance upon a web site which seems to have the ideal answer If there is a chance to get all the legals done via phone 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?

Do I have to pop into the offices of the mortgage company conveyancing panel solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Raynes Park so that I can pop in to their offices if required.

Most conveyancing panel lawyers for the bank undertake conveyancing via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. YOu dont have to use a conveyancing solicitor in Raynes Park. it would nevertheless be wise to check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.