I am considering applying for a Bank of Ireland mortgage for purchase of a new build (under development) in Wimborne Minster with 65 per cent LTV. Is it compulsory to choose a solicitor on the conveyancing panel for Bank of Ireland ?

In theory, you could use a solicitor that is not on the Bank of Ireland conveyancing panel, but Bank of Ireland would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.

I am the sole recipient of my late mum's estate and I have everything in my name alone, including the house in Wimborne Minster. The Wimborne Minster property was put into my name in June. I now wish to sell up. I understand that there is a Mortgage Lenders 6 month 'rule', meaning my proprietorship will be regarded the same way as though I had purchased the property in June. Do I have to wait 6 months to sell?

The CML handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be caught by that. Most mortgage companies would take a pragmatic view as this provision is principally there to capture the purchase and immediately sell or the quick reselling of property.

Barclays have agreed my mortgage in principle, my bid on a apartment in Wimborne Minster has been accepted, what are the next steps?

The estate agent will need to know who your solicitors are (be sure the lawyers are on the bank’s panel). Contact Barclays or your financial adviser and finish off any relevant documentation. Barclays will appoint a valuer who will get in touch with the selling agent or owners to book a time for the valuation to take place. Once carried out (assuming no problems) it takes about a fortnight for the mortgage offer to be issued. Barclays will issue the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Wimborne Minster.

My offer on a semi in Wimborne Minster has been agreed to, the owners do nevertheless have a connected purchase. The sellers have offered on on an apartment, however it’s not yet tied up, and are looking at other flats booked. I have chosen a nearby conveyancing solicitor in Wimborne Minster. What should be my next step? At what point do I apply for the mortgage with Kent Reliance?

It is normal to have apprehensions where there is a chain as you are unlikely to want to incur costs prematurely (home loan application is approx £1k, then survey, Wimborne Minster conveyancing search charges, etc). The first course of action is to ensure that your property lawyer is on the Kent Reliance conveyancing panel. As to the next stages this very much dictated by the uniqueness of your transaction, attraction to the property and on the state of the market. In a rising market some home buyers will apply for a home loan with Kent Reliance and arrange for the valuation and only if it comes back ok would they pay their conveyancing practitioner to press on with searches.

I am looking to sell my property. My former solicitors has retired. I would be grateful for any recommendation of a conveyancing firm. Im based in Wimborne Minster if that affects matters.

Please use our search tool to help you choose a solicitor for your conveyancing in Wimborne Minster. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes smoothly.

Back In 2007, I bought a leasehold house in Wimborne Minster. Conveyancing and Bank of Ireland mortgage organised. A letter has just been received from someone claiming to own the freehold. It included a ground rent demand for rent dating back to 1991. The conveyancing solicitor in Wimborne Minster who previously acted has now retired. What should I do?

First make enquiries of HMLR to be sure that this person is indeed the new freeholder. You do not need to incur the fees of a Wimborne Minster conveyancing practitioner to do this as it can be done on-line for a few pound. You should note that regardless, even if this is the rightful freeholder, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

Leasehold Conveyancing in Wimborne Minster - Sample of Questions you should consider before buying

How many of the leaseholders are in arrears for their maintenance charge payments? It would be sensible to investigate if the the lease includes any onerous restrictions in the lease. For instance it is fairly common in Wimborne Minster leases that pets are not allowed in certain buildings in Wimborne Minster. If you like the apartmentin Wimborne Minster however your cat is not allowed to live with you then you will be presented with a difficult compromise. If a Wimborne Minster lease has no more than 80 years it will affect the value of the flat. It is worth checking with your mortgage company that they are content with the length of the lease. Leases with fewer than 80 years remaining means that you will probably require a lease extension at some point and it is worth discovering how much this would cost. For most Wimborne Minsterlease extensions you will need to own the premises for 24 months before you are entitled to carry out a lease extension.

My lender have just issued us with a mortgage offer. We are using a high street conveyancer in Wimborne Minster yesterday. This morning, our broker contacted us saying that the bank said that we cannot use our solicitor as they aren't on their 'approved list'. As novices, we had no idea that the mortgage company had some control over our choice Is this permitted?

You are at liberty to appoint any conveyancing solicitor you want to use including the said conveyancer in Wimborne Minster nevertheless if they are not on the your bank's panel you would have to incur an extra fee so the bank can instruct their own lawyers. sometimes it is possible your preferred conveyancing firm to get included on to the mortgage company panel. You can use internet tools including lenderpanel.com to find a conveyancing solcitor in Wimborne Minster on the bank panel. You can go into your local mortgage company branch in Wimborne Minster. They can recommend conveyancing solicitors in Wimborne Minster on the bank panel.