I am expecting a mortgage with Halifax. My intention is to retain the legal services of a Licensed Conveyancer in Wolstanton. Does the Halifax Conveyancing panel include conveyancers regulated by the CLC?

The Halifax approved solicitor list is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the CLC.

I am buying a semi-detached house in Wolstanton. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?

Leaving aside the complexities and merits of DIY conveyancing in Wolstanton you will have to appoint a solicitor on your lender's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Wolstanton.

I am close to exchanging contracts on the sale of our house in Wolstanton and the buyers lawyers are claiming that there is a possibility that the property was constructed on contaminated land. Any local conveyancer would know this is not the case. It does beg the question why the buyers are using a nationwide conveyancing practice rather than a conveyancing solicitor in Wolstanton. We have lived in Wolstanton for 4 years we know that this is a non issue. Should we get in touch with our local Authority to seek clarification that the buyers are looking for.

It would appear that you have a conveyancing lawyer currently acting for you. What do they say? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)

I am purchasing a new build house in Wolstanton with a mortgage from . The builders would not reduce the price so I negotiated five thousand pounds worth of additionals instead. The estate agent told me not disclose to my solicitor about this extras as it would affect my loan with . 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.

Due to the encouragement of my in-laws I had a survey completed on a house in Wolstanton in advance of instructing lawyers. I have been told that there is a flying freehold overhang to the property. The surveyor advised that some banks will not issue a mortgage on this type of premises.

It depends who your proposed lender is. Lloyds has different requirements from Birmingham Midshires. If you contact us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Wolstanton. Conveyancing may be slightly more expensive based on your lender's requirements.