My fiance and I are buying property in Maze Hill. My Solicitor is not listed on the mortgage company conveyancing panel. Am I still permitted to continue with my Maze Hill conveyancing solicitor notwithstanding that they are excluded from the lender approved list?

Various options include

• Carry on with your chosen Maze Hill but your mortgage company will undoubtedly retain a from their conveyancing panel. This will result in additional fees together with likely frustration.
• Get a fresh to conduct the conveyancing, ensuring that they are on the lender conveyancing panel.
• Convince your conveyancer to do everything within their powers to get listed on the lender’s conveyancing panel

My fiance and I intend to remortgage our maisonette in Maze Hill with . We have a son 18 who lives at home. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the apartment is repossessed. I have a couple of concerns (1) Is this form unique to the conveyancing panel as he did not need to sign this form when we purchased 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?

On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to . This is solely used to protect if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

At what point does exchange of contracts occur in residential conveyancing in Maze Hill and am I required to attend the solicitors branch?

Where you are near to our conveyancing solicitors in Maze Hill you are welcome to attend to sign contracts. However, the firms we recommend supply a countrywide conveyancing service and give just as diligent and professional a job for you when dealing with you electronically. The executing of the contract is not the point of no return. Signing on the dotted line simply enables the firm to address the formalities at the appropriate time, which is ordinarily shortly after signing. The procedure is nowadays normally dealt with by telephone and can be very rapid, although where a lengthy "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Maze Hill)to be in the office at the appropriate time.

2 months have elapsed since my purchase conveyancing in Maze Hill completed. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I'm purchasing my first flat in Maze Hill with a loan from . The sellers would not move on the price so I negotiated £7000 of fixtures and fittings instead. The estate agent told me not reveal to my lawyer about the side-deal as it would adversely affect my loan with the lender. Do I keep my lawyer in the dark?.

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.