I am purchasing a maisonette in Southborough. My Conveyancer is not on the bank approved panel. Is it possible for me to continue with my Southborough conveyancing solicitor even though they are excluded from the bank approved list?

You will need to instruct a solicitor to deal with the formalities when you need a loan to buy your home. The lawyer will carry out all the necessary investigations on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage paperwork is in order. You can appoint a Southborough conveyancer of your choice. Nevertheless, where the conveyancing practitioner appointed is not on the bank approved list further costs will be levied as separate legal representation will be need by the mortgage company. Lender panel applications can be submitted, so provided your lawyer has not in the past applied for membership they should take the opportunity to apply.

Are there restrictive covenants that are commonly picked up as part of conveyancing in Southborough?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Southborough. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I'm purchasing a new build house in Southborough benefiting from help to buy. The sellers would not reduce the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not to tell my conveyancer about the deal as it would jeopardize my mortgage with the bank. 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.

Yesterday I discovered that there is a flying freehold issue on a property I have offered on last month in what was supposed to be a straight forward, chain free conveyancing. Southborough is the location of the property. Can you shed any light on this issue?

Flying freeholds in Southborough are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Southborough you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Southborough may determine 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 premises.

Me and my husband are buying a leasehold property in Southborough. Conveyancing quotes are coming in at around £1650. Is that reasonable?

The average fee last year for conveyancing in Southborough was £1,500 excluding Land Tax and HMLR charges.