I am expecting a mortgage with Halifax. I would like to use a Licensed Conveyancer in Hinckley. Does the Halifax Solicitor panel exclude conveyancers regulated by the CLC?

The Halifax conveyancing panel is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

I am considering applying for a mortgage for purchase of a new build (under development) in Hinckley with 60% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for ?

In theory, you could use a solicitor that is not on the conveyancing panel, but 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 transaction.

Are all Hinckley Conveyancing Quality Solicitors on the conveyancing list of approved practices?

A selection of banks and building societies now use the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of conveyancing solicitors.

Can I be sure that the Hinckley conveyancing solicitor on the panel is any good?

When it comes to conveyancing in Hinckley seeking recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always recommend that you speak with the solicitor handling your transaction.

I am purchasing a property in Hinckley. One unusual aspect is that the roof has a solar panel. have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that your lender is your lawyer must comply with the formal requirements contained in Part 2 of UK Finance Lenders’ Handbook for . The CML Handbook stipulates minimum specifications for solar panel roof-space leases, and are required to report to where a lease does not meet these requirements. The conditions relate to the installation of panels on properties nationwide and is not limited to Hinckley.

I'm buying my first flat in Hinckley with a loan from . The developers would not reduce the amount so I negotiated five thousand pounds worth of extras instead. The property agent told me not disclose to my solicitor about the extras as it could put at risk my loan with . Is this normal?.

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 a fortnight into a freehold purchase having been referred to conveyancers by the estate agent to execute conveyancing in Hinckley. We are not happy. Can you you assist me in finding new solicitors?

They would have to be very poor to suggest changing them. Has the mortgage offer been issued? If so you must inform them of the replacement lawyer and get the offer are issued to the new lawyers. Your solicitor ideally needs to be on the mortgage company panel to avoid supplemental fees and frustration. So that should be your first question of the new lawyers. The find a solicitor tool can help you find a lender approved lawyer for your home move in Hinckley