I plan on acquiring a ground floor flat in Callerton. My Solicitor is not listed on the lender solicitor panel. Am I still permitted to use my Callerton conveyancing solicitor even though they are excluded from the mortgage company approved list?

You will need to have a property lawyer to complete the legal work required if you need a loan to purchase your home. They will carry out all the appropriate legal checks on the property, ensuring that you’re properly registered as the owner and ensure that all the required mortgage documentation is in order. One may select a Callerton lawyer of your choice. However, where the property lawyer appointed is not on the mortgage company approved list further fees will arise as separate legal representation will be need by the mortgage company. Lender panel applications can be submitted, so where your conveyancer has not previously applied for membership they should do so.

We are about to sign contracts for a leasehold flat in Callerton. We have hit a snag. The mortgage offer with Coventry Building Society runs out on 7/1/2025 but the vendors are suggesting a completion date of 9/1/2025. Can one extend the mortgage expiry date?

The person best placed to address this question is your lawyer who will hopefully determine whether he or she is should be discussing with the bank, owner’s representatives, estate agents or conceivably all three based on what has gone on in your transaction as of today.

What is your number one tip for choosing a conveyancing solicitor in Callerton

We would encourage you not to base your choice on the lowest Callerton conveyancing quote. You really do get what you pay for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.

I am due to move property in December. Should my conveyancing solicitor liaise with the removal company on the completion day. As an aside, can you recommend a removal company in Callerton. Conveyancing lawyer was chosen prior to coming across this website.

On the day of completion you will need to pick up the house keys from your selling agent but this should only occur when the previous owners solicitors advise the agent that they have the completion monies and the keys can be collected. You can advise the removal men that they can start moving you in. We are not in a position to suggest a particular removal company but can assist you in locating a residential property solicitor in Callerton or a firm that specialises in conveyancing in Callerton.

My partner and I are at the point of looking at houses in Callerton and I am now considering a potential offer. Is it advisable to have my conveyancer on ‘stand by’? I intend to finance via a home loan with Principality.

You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their contact information on to the selling agent. Given that you are obtaining a mortgage with Principality, ask your prospective lawyers if they are on the Principality conveyancing panel otherwise they can't do the mortgage legal work.

I am purchasing a new build house in Callerton with the aid of help to buy. The sellers refused to budge the amount so I negotiated £7000 of additionals instead. The property agent suggested that I not inform my conveyancer about this side-deal as it may affect my loan with Barclays Direct. 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.

Yesterday I discovered that there is a flying freehold element on a property I put an offer in a fortnight ago in what should have been a quick, no chain conveyancing. Callerton is the location of the property. Can you shed any light on this issue?

Flying freeholds in Callerton are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Callerton you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Callerton may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.