My wife and I are purchasing a 3 bedroom flat in Temple Mills with a mortgage. We wish to retain our Temple Mills conveyancer, but the mortgage company advise she’s not on their "panel". We have to appoint one of the bank panel firms or continue with our Temple Mills property lawyer and pay for one of their panel lawyers to act for them. This seems very unfair; is there anything we can do?

Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Temple Mills conveyancing solicitor to apply to be on the conveyancing panel.

What does my ID and proof of funds have anything to do with my conveyancing in Temple Mills? Why is this being asked of me?

Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the ID of the potential client they are dealing with before they can accept their conveyancing instruction. The Terms and Conditions that you need to sign will no doubt reaffirm this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. Where you are unwilling to provide ID verification documents, your solicitor can not take you on as a client.

Is it necessary to take out insurance to address the risk of chancel repairs when acquiring a property in Temple Mills?

Unless a prior acquisition of the property completed after 12 October 2013 you may expect conveyancing practitioners handling conveyancing in Temple Mills to continue to suggest a chancel search and or insurance against a claim.

I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Temple Mills is where the house is located. Can you offer any opinion?

Flying freeholds in Temple Mills are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Temple Mills you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Temple Mills 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 property.

I am are looking to find an affordable conveyancing solicitor in Temple Mills to purchase a home. I I am fearful of by bill escalating out of control and there are many Temple Mills conveyancing organisations to pick from...who's the best?

To get quotes for your move via conveyancing firms that offers services in Temple Mills please make the most of our quote tool.