I have just started taking steps with a view to changing my existing standard home loan to a BTL Halifax mortgage. The bank has said that I require a solicitor as part of the process. I got in contact with the same Willingham conveyancing practitioner who dealt with the legals when I first bought the house. The quote provided of £500 has shocked me as I am not require purchase conveyancing - it’s simply a straightforward remortgage.

The charges are a tad high. If you are prepared to spend time scrutinising charges you could trim some of the cost by perhaps £100 plus VAT. That being said, assuming were content with the service the firm provided you mightlive to rue opting for an an unknown solicitor. If is important to enquire that the solicitor can represent Halifax. You can make use of our search tool to get a quote a Willingham conveyancing firm on the Halifax member panel, which can often include conveyancing solicitors in Willingham.

My wife and I are buying a new build duplex in Willingham and my conveyancer is advising me that she has to the mortgage company to reveal incentives from the builder. I am on a tight deadline to exchange contracts and I don't want to delay the conveyancing. is my lawyer playing by the book?

You should not exchange unless you have been advised to do so by your lawyer. A precondition to being on a lender 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.

The formalities of my purchase has taken place for my property in Willingham. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?

Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

Intending to buy a flat in Willingham. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Clydesdale conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Willingham conveyancer is on the Clydesdale conveyancing panel.

I have instructed a Willingham conveyancing practitioner having checked that they are on the UBS conveyancing panel. Does my lawyer arrange the survey of the property?

UBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually UBS 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 property lawyer 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 Willingham postcode. As you are getting a mortgage with UBS, you could contact them to see if they have a list of approved surveyors in Willingham.

Hoping to buy a property located in Willingham and I am already nervous. I couldn't find anything specific about Willingham. Conveyancing will be needed in due course but do you know about the Willingham area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Willingham. In the meantime here are some basic statistics that we found

Can you provide any top tips for leasehold conveyancing in Willingham with the intention of speeding up the sale process?

• A significant proportion of the frustration in leasehold conveyancing in Willingham can be avoided if you get in touch lawyers as soon as you market your property and ask them to collate the leasehold information which will be required by the buyers’ conveyancers.
If there is a history of conflict with your freeholder or managing agents it is essential that these are resolved before the property is put on the market. The purchasers and their solicitors will be nervous about purchasing a flat where there is an ongoing dispute. You will have to accept that you will have to pay any arrears of service charge or settle the dispute prior to the buyers completing the purchase. It is therefore preferable to have any dispute settled ahead of the contract papers being issued to the buyers’ solicitors. You are still duty bound to disclose details of the dispute to the buyers, but it is clearly preferable to reveal the dispute as historic rather than unresolved. If you have carried out any alterations to the residence would they have required Landlord’s permission? In particular have you installed wooden flooring? Most leases in Willingham state that internal structural alterations or installing wooden flooring necessitate a licence issued by the Landlord acquiescing to such works. Where you fail to have the approvals in place you should not communicate with the landlord without contacting your conveyancer before hand. A minority of Willingham leases require Licence to Assign from the landlord. If this is the case, you should place the estate agents on notice to make sure that the purchasers put in hand financial (bank) and professional references. Any bank reference will need to confirm that the buyers are able to meet the annual service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the actual amount of the service charge so that they can pass this information on to the purchasers or their solicitors.

I am the registered owner of a 1st floor flat in Willingham, conveyancing having been completed 10 years ago. Can you give me give me an indication of the likely cost of a lease extension? Similar flats in Willingham with a long lease are worth £181,000. The ground rent is £55 charged once a year. The lease terminates on 21st October 2075

With only 50 years unexpired we estimate the premium for your lease extension to span between £31,400 and £36,200 plus legals.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we are not able to provide the actual costs in the absence of detailed investigations. Do not use the figures in tribunal or court proceedings. There may be other concerns that need to be considered and you obviously want to be as accurate as possible in your negotiations. Please do not take any other action placing reliance on this information without first getting professional advice.