We are buying a 1 bedroom flat in Lickey End with a mortgage. We like our Lickey End lawyer, however the mortgage company advise he's not on their "panel". It seems we have little choice but to select one of the mortgage company panel conveyancing practices or continue with our Lickey End as well as pay for one of their panel ones to act for them. This seems very unfair; can we not demand that the bank use our Lickey End ?

Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Lickey End conveyancing solicitor to apply to be on the conveyancing panel.

I am buying a new build house in Lickey End with the aid of help to buy. The developers would not budge the price so I negotiated 6k of additionals instead. The sale representative advised me not inform my conveyancer about the extras as it could impact my loan with the bank. 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.

Is it simple use the search facility to choose a conveyancing practitioner in Lickey End on the panel for my mortgage?

1st choose a lender such as , or then specify your preferred area a common one being Lickey End. Conveyancing firms in Lickey End and across England and Wales will then be shown.

I am the registered owner of a basement flat in Lickey End, conveyancing having been completed in 1995. Can you let me have an estimated range of the fair premium for a lease extension? Corresponding flats in Lickey End with an extended lease are worth £165,000. The average or mid-range amount of ground rent is £45 yearly. The lease terminates on 21st October 50

With 50 years left to run the likely cost is going to be between £36,100 and £41,800 plus legals.

The suggested premium range above a general guide to costs for extending a lease, but we cannot give you the actual costs without more comprehensive due diligence. Do not use this information in tribunal or court proceedings. There are no doubt other issues that need to be taken into account and you obviously should be as accurate as possible in your negotiations. Please do not move forward based on this information without first seeking the advice of a professional.

Our sealed bid on house in Lickey End was agreed to, the vendor does however have a dependent purchase. The vendors have put an offer on a property, but it’s not yet tied up, and has viewings of other properties in the pipeline. I have instructed a local conveyancing lawyer in Lickey End. What do I do now? When do I get the mortgage application with going with ?

It is normal to have apprehensions where there is an associated chain given your reluctance to incur costs prematurely (mortgage application is in the region of one thousand pounds, then survey, Lickey End conveyancing search charges, etc). The first thing to do is ensure that your is on the approved list. Regarding the next stages this very much depends on the uniqueness of your case, desire for this property and on the state of the market. In a rising market the majority of buyers will apply for a home loan with and arrange for the survey and only if it comes back ok would they pay their to press on with searches.