It may have been a long time coming a mortgage offer from Santander for the remortgage of my single room flat is coming within the next few days. Could you propose a cheap conveyancing practitioner in Gurnard?

You are on the wrong site if you are in need of cut-price fees for conveyancing in Gurnard. We can offer you excellent value conveyancing but we do not advertise as being the cheapest. Do not be seduced by organisations offering £100 conveyancing in Gurnard. Optimistically, in going for low cost conveyancing, you will get your money’s worth and at worst it will result in you with a surprising uplift in additional fees and still not receive the service required.

I am hoping to move into my new home in Gurnard next Friday. My conveyancer now wants me to supply her with proof of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the mortgage company. What does the insurance need to cover?

Any lawyer on acting for mortgage companies would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 requirements. These obligations are not specific to conveyancing in Gurnard.

We are planning to acquire a flat and need a conveyancing solicitor in Gurnard who is on the RBS solicitor panel. Could you point me in the right direction as regards a conveyancing firm?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for RBS . We don't recommend any particular firms conducting conveyancing in Gurnard.

I am purchasing a new build house in Gurnard with a loan from Clydesdale. The sellers refused to budge the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep advised me not reveal to my lawyer about this extras as it could affect my loan with Clydesdale. Is this normal?.

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.

My father has encouraged me to use his lawyers for conveyancing in Gurnard. Do I follow his recommendation?

Much as we are happy to recommend a Gurnard conveyancing lawyer it’s preferable to find a conveyancing practitioner is to seek feedback from friends or relatives who have used the solicitor that you are contemplating using.