My son is buying a house that has just been built in Esher and Claygate with a home loan from HSBC. His lawyer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?

The document is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the HSBC conveyancing panel as a standard part of the process, and to the valuer when asked. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the HSBC conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

I have an AIP. The bank mentioned the loan came with free conveyancing. Is the implication that I have to use their panel lawyer as I would prefer to appoint a high street conveyancing solicitor in Esher and Claygate?

Do check but the the probability is that appoint one of their panel conveyancers where you take up the "fee-free" offer. Speak to the mortgage company to explore if they make available a monetary alternative. It is not unheard for a lender to give a £250 cashback as a further option in which case you could put that amount towards your preferred conveyancing solicitor near Esher and Claygate.

I am helping my mother sell her flat in Esher and Claygate. Will the conveyancer order an energy assessment or it is for me to see to?

Following the abolition of HIPs, energy performance certificates was kept a mandatory component of moving property. An energy performance certificate should be commissioned prior to the property being advertised. It is not something that solicitors normally organise. If you are using a Esher and Claygate conveyancing practitioner they might help arrange energy assessments due to their contacts with long established local assessors

We previously chose conveyancing lawyers located in Esher and Claygate on the Aldermore solicitor approved list. They have just billed me a separate fee for dealing with the Aldermore mortgage. Is this a supplemental conveyancing fee set by Aldermore?

As unfair as it may seem, as long as it’s in their Terms and Conditions or Quote then yes your property lawyer may levy a fee for this. This fee is not set by Aldermore but by your Esher and Claygate conveyancing practitioner. Some firms on the Aldermore panel will charge an ‘acting for lender’ fee and others do not.

After shopping around on the internet I have found a Esher and Claygate conveyancer having made sure that they are on the Aldermore conveyancing panel. Does my lawyer arrange the survey of the property?

Aldermore will need an independent valuation of the property. Your lawyer will not arrange this. Usually Aldermore will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Esher and Claygate surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

Just acquired a semi-detached house in Esher and Claygate , how long should it take for the Land Registry to deal with the formalities evidencing the transfer to my name? My Esher and Claygate conveyancing solicitor has been very slow, so I want to be sure the land registry aspects are dealt with.

There is nothing unique when it comes to conveyancing in Esher and Claygate registration formalities. Rather than based on location, timescales can differ subject to the party submitting the application, whether there are errors and if the Land registry must send notices to any 3rd persons or bodies. Currently approximately 80% of submission are completed within two weeks but some can be subject to longer hold-ups. Historically registration is effected once the purchaser has moved in to the property thus an expedited registration is not always top priority yet where it is urgent that the the registration takes place urgently then you or your conveyancer should contact the land registry and explain the circumstances.

Please set a few of compelling advantages to using a local lawyer in Esher and Claygate

Plenty of house movers in Esher and Claygate opt for a local conveyancing practitioner so that they can visit just in case they have concerns, and to collect documents without using the post.

There is a marginal edge when using a solicitor nearby to a house you are hoping to purchase, due to the knowledge of the locality and potential local issues - nevertheless this is debatable. Many conveyancers carry out their work via the internet and could be any place in the world.