AssumingI was to acquire a simple residential housein Crick for cash and dispense with a survey and no conveyancing searches how much would I expect to to save on my conveyancing in Crick?

Any savings you would achieve will be isolated to the disbursement for searches. Your solicitor still be obliged to do everything else - money laundering, correspond with the vendors property lawyer, stamp duty return, register the property etc. A slight saving might be made by not needing to register a mortgage however it will not be a lot.

Our bank has suggested a law firm on their panel based in Crick but I would rather use a conveyancing lawyer in Crick round the corner to me. Are you able to help?

The minority of Crick conveyancing practices are on all banks conveyancing panel. Do make use of the above find an approved solicitor tool to locate a Crick conveyancing firm on the on the lender panel.

We expect to receive a AIP from Skipton this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Skipton recommend any Crick solicitors on the Skipton conveyancing panel, or is it better to go independently?

You will need to appoint Crick solicitors independently although you'll need to choose one on the Skipton conveyancing panel. The solicitor represents both you and Skipton through the process.

RBS have agreed my home loan in principle, my bid on a property in Crick has been agreed to, now what?

The property agent will want to be informed of your solicitor's details (ensure that the lawyers are on the lender’s approved list). Telephone RBS or your broker and complete any relevant forms. RBS will instruct a valuer who will get in contact with the selling agent or seller to book an appointment. Once conducted (assuming no problems) it takes approximately a week to receive the mortgage offer. RBS will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Crick.

I have finally had an offer on a flat in Crick accepted, the owners do however have an associated purchase. The sellers have placed an offer on a property, however it’s not yet agreed to, and are looking at other properties booked. I have chosen a local conveyancing solicitor in Crick. What do I do now? At what point do I apply for the mortgage with Aldermore?

It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur expenses too early (mortgage application is approx £1k, then valuation, Crick conveyancing search charges, etc). First, you should check that your conveyancer is on the Aldermore approved list. As to the subsequent phase this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a buoyant market some home buyers would apply for a home loan with Aldermore and pay for the valuation and only if it comes back ok would they ask their conveyancer to press on with searches.

How does conveyancing in Crick differ for newly converted properties?

Most buyers of new build property in Crick come to us having been asked by the housebuilder to sign contracts and commit to the purchase even before the house is completed. This is because developers in Crick tend to acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Crick or who has acted in the same development.

I opted to have a survey carried out on a property in Crick in advance of appointing solicitors. I have been told that there is a flying freehold overhang to the property. My surveyor has said that some banks tend refuse to issue a mortgage on this type of home.

It depends who your proposed lender is. Bank of Scotland has different requirements from Birmingham Midshires. Should you wish to call us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Crick. Conveyancing will be smoother if you use a solicitor in Crick especially if they are acquainted with such properties in Crick.