The Woldingham conveyancing firm handling our Woldingham conveyancing has discovered a difference when comparing the surveyor’s assumptions in the valuation report and what is revealed within the conveyancing documents. My lawyer informs me that he is duty bound to check that the lender is OK with this discrepancy and is still content to lend. Is my conveyancer’s stance right?

Your conveyancer must comply with the UK Finance Lenders’ Handbook requirements which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

My grandfather passed away last year and as sole heir and executor I was left the property in Woldingham. The house had a small mortgage remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Aldermore, pay off the mortgage. Is this possible?

Given you plan to refinance then Aldermore will insist on your using a conveyancer on the Aldermore conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Aldermore conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Aldermore mortgage is registered as a charge at the Land Registry.

I'm purchasing a new build house in Woldingham with a loan from Birmingham Midshires. The developers refused to budge the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep advised me not disclose to my lawyer about this deal as it could jeopardize my mortgage 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.

My husband and I are 18 days into a leasehold purchase having been directed to conveyancers by the high street agent to perform conveyancing in Woldingham. I am am extremely dissatisfied with the level of service. Could you help me find new lawyers?

They would have to be very bad in order to consider replacing them. Has your mortgage offer been generated? If so you will need to advise them of the replacement solicitor and get the offer are re-issued. The solicitor ideally should be on the mortgage company approved list to avoid added costs and delays. That should be your starting point. Our find a solicitor tool can assist you in finding a bank approved lawyer for your conveyancing in Woldingham

Am in the process of buying my 1st property in Woldingham. Conveyancing solicitor has been selected. The broker advised that a survey is not necessary as the house is only 20 yrs old.

You would be well advised to commission a Home Buyer's Report. As the residence was constructed more than a decade ago the property will not benefit from a warranty, so you would be well advised not to take a risk. Where a property of this age shows no signs of problems a Home Buyer's report could be sufficient. The report should highlight any obvious problems and suggest further investigation where appropriate. If there are any signs of material issues seek a full Building Survey from the beginning.