I am expecting a mortgage with Nat West. I would like to retain the legal services of a Licensed Conveyancer in Woore. Does the Nat West Conveyancing panel exclude conveyancers regulated by the CLC?

The Nat West conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

I happen to be the only recipient of my late mum's estate and I have everything in my name alone, including the house in Woore. The Woore property was put into my name in June. I plan to dispose of the property. I do know about the Mortgage Lenders 6 month 'rule', meaning my proprietorship may 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 instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. many banks would take a pragmatic view as this obligation primarily exists to identify subsales or the wholesaling and assigning of property.

Barclays have agreed my home loan in principle, my offer on a property in Woore has been accepted, now what?

Your property agent will want to be informed of your lawyer's details (make sure the conveyancing practitioners are on the bank’s panel). Call up Barclays or the broker and complete any outstanding forms. Barclays will instruct a valuer who will get in touch with the estate agent or owners to schedule an appointment. Once carried out (assuming no problems) it takes about a week to get a mortgage offer. Barclays will send the offer to you and your solicitors. The legal work will then take it’s course according the nature and complexity of the conveyancing in Woore.

At last I have had an offer on a flat in Woore agreed to, but there is a chain. The vendors have offered on a flat, but it’s not yet agreed to, and are looking at other flats booked. I have instructed a local conveyancing solicitor in Woore. What should be my next step? When do I get the mortgage application with Principality going?

It is usual to have concerns where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is approx £1k, then survey, Woore conveyancing search charges, etc). First, you should ensure that your conveyancing practitioner is on the Principality conveyancing panel. Regarding the next stages this very much depends on the specifics of your case, desire for the property and on the state of the market. During a rising market many buyers will apply for the mortgage with Principality and arrange for the valuation and only if it was satisfactory would they request their conveyancing practitioner to proceed with the conveyancing in Woore.

I am purchasing my first flat in Woore with the aid of help to buy. The builders refused to reduce the amount so I negotiated 6k of additionals instead. The house builders rep advised me not to tell my lawyer about the side-deal as it may jeopardize my mortgage with Santander. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer 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.

Due to the input of my in-laws I had a survey completed on a house in Woore prior to appointing conveyancers. I have been informed that there is a flying freehold element to the house. My surveyor advised that some mortgage companies will not give a mortgage on a flying freehold home.

It varies from the lender to lender. Santander has different instructions for example to Nationwide. If you contact us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Woore. Conveyancing may be slightly more expensive based on your lender's requirements.

Me and my husband have today had an offer accepted on our first house in Woore, and are now looking to get solicitors lined up. I have made use of the numerous comparison tools and the quotes are from all over the England and Wales. Is it essential to have a Woore conveyancing practitioner local to our prospective property? I am willing to do all the communicating electronically, but I guess at some point we may be required to attend the solicitor's office to sign papers?

The lawyer does not have to be in Woore, but opting for local means that you can visit their offices if you need to, for instance, if a signature is immediately necessary. In addition, a Woore solicitor is likely to be familiar with local agents and (if the vendor has instructed a local conveyancing practitioner) with them, which will help smooth the process.