It is 10 years ago since I purchased my home in Bewdley. Conveyancing solicitors have now been appointed on the sale but I can't track down the deeds. Is this a major issue?

Don’t worry too much. Firstly there is a possibility that the deeds will be kept by the mortgage company or they may be in the possession of the lawyers who handled the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers procuring current official copies of the land registers. The vast majority of conveyancing in Bewdley involves registered property but in the unlikely event that your home is unregistered it is more tricky but is not insurmountable.

My lawyer has informed me that restrictive coveneant insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Bewdley?

The right level of restrictive coveneant indemnity insurance depends on your lender. It would differ for example between and . Conveyancing solicitors as opposed to members of the public take out such policies.

We have agreed to purchase a house in Bewdley. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender be concerned?

As you are obtaining a mortgage with your lawyer must comply with the formal instructions set out in Part two of UK Finance Lenders’ Handbook for . The CML Handbook contains minimum specifications for solar panel roof-space leases, and are required to report to where a lease fails to satisfy these conditions. The conditions relate to the installation of panels on properties countrywide and is not restricted to Bewdley.

I was told four weeks ago that my mortgage has been agreed to by . Is it usual for to only issue the offer once my solicitor in Bewdley is approved on their conveyancing panel? have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for to deal with your lawyer's application to be on the conveyancing panel. There's no guarantee that your solicitor will be accepted.

Me and my brother have a terraced Edwardian house in Bewdley. Conveyancing practitioner acted for me and . I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, the second leasehold with the matching property. Is it worth asking to clarify?

You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Bewdley 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 mortgage companies. You can also question the situation with your conveyancing lawyer who carried out the work.

I'm purchasing my first flat in Bewdley with a mortgage from . The sellers refused to reduce the amount so I negotiated five thousand pounds worth of extras instead. The property agent told me not disclose to my solicitor about this extras as it may affect my loan with . 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.

How do I identify a Bewdley solicitor on the conveyancing panel? I am a keen cyclist and am willing to travel upto 25kilometers to meet the conveyancer.

You can use the search on this website. Please select a lender and your location and you will see a number of Bewdley conveyancing lawyers locally. We have detailed some Bewdley conveyancing firms towards the end of this page and you can ring them to verify if they are on the member panel