We note that you have a post code search directory listing firms on the Aldermore conveyancing panel. Do companies pay you a commission if I instruct them for our own conveyancing in Sutton On Sea?

We are a listing service only for law firms wishing to communicate if they are on the Aldermore conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Sutton On Sea.

My wife and I own a renovated Edwardian property in Sutton On Sea. Conveyancing practitioner represented me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold under the exact same property. Is it worth asking Chelsea Building Society to clarify?

You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Sutton On Sea and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing lawyer who completed the work.

I am purchasing a new build house in Sutton On Sea with a loan from Clydesdale. The developers would not move on the price so I negotiated five thousand pounds worth of extras instead. The sale representative advised me not reveal to my conveyancer about the deal as it will adversely affect my loan with the bank. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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'm converting the mortgage on my current home to a BTL loan with Bank of Ireland and I will use the rest of the raised equity as a deposit on a second house. The neighborhood we are talking about is Sutton On Sea. Will your solicitors be able to act for both sets of banks and tie in the conveyances?

Do use our search tool on this page to be sure that the lawyers are approved by both lenders. Assuming that they are your lawyer will be able to connect the two conveyancing matters but you should have a chat with you solicitor and communicate your desired outcome and requirements.

My solicitors in Sutton On Sea have advised me that they can not locate my conveyancing file. At the time of my purchase I took out a mortgage with the lender. Is it case that being on the bank conveyancing panel they need to have retained the file for a number of years?

Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the bank Conveyancing Panel Terms. It might be worth you contacting the lender directly.