Is it necessary during the course of the conveyancing process to pop into the offices of the solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Wollaston so that I can pop in to their offices when needed.

As opposed to ten years ago, the vast majority banks no longer need their conveyancing panel solicitor to witness the mortgagors signature. You will still be obliged to supply ID documents and there are still distinct benefits to using a local practitioner, in your situation a conveyancing solicitor in Wollaston.

We are buying a house and the conveyancer has referenced Chancel Repair to which the house could be obligated to contribute to given it’s proximity to the area of such a church. He has mentioned insurance. Is this strictly warranted for conveyancing in Wollaston

Unless a previous acquisition of the premises took place post 12 October 2013 you can take it that lawyers carrying out conveyancing in Wollaston to continue to advocate a chancel search and or chancel repair liability policy.

Me and my brother purchased a renovated Edwardian property in Wollaston. Conveyancing solicitor represented me and Santander. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold under the exact same property. I thought I was buying a freehold how can I check?

You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Wollaston and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the situation with the conveyancing solicitor who carried out the work.

I'm buying a new build house in Wollaston with a mortgage from Virgin Money. The sellers would not move on the price so I negotiated 6k of extras instead. The estate agent told me not inform my solicitor about the extras as it will adversely affect my mortgage with the lender. Should I keep quiet?.

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.

We are in the middle of buying a house in Wollaston. Conveyancing solicitor has told us the title is "Leasehold". Will this likely impact our Natwest valuation?

Wollaston conveyancing does not usually involve leasehold houses. The main consideration here is the length of lease and the ground rent. If it's 999 years with a nominal rent, it's virtually freehold, so it shouldn't impact the marketability significantly.

On the flip side, if it's, say, fifty five years it is bound to have a adverse impact on the value, and most likely wouldn't be mortgageable. The length of lease and ground rent will be specified in the lease to be supplied to your conveyancer.