Do lenders provide you with an approved list of Maryport conveyancing solicitors? How do you know who is on the Virgin Money conveyancing panel?

Maryport conveyancing firms themselves provide us confirmation that they are on the Virgin Money conveyancing panel as opposed to being supplied with a list from Virgin Money directly.

We are downsizing from our property in Maryport and the buyers lawyers are claiming that there is a possibility that the property was constructed on contaminated land. Any high street Maryport lawyer would know this is not the case. For the life of me I don't know why the buyers instructed a factory type conveyancing outfit as opposed to a conveyancing solicitor in Maryport. We have lived in Maryport for many years we know of no issue. Is it a good idea to contact our local Authority to seek confirmation that the buyers are looking for.

It would appear that you have a conveyancing firm already. Are they able to advise? You should 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 sickness)

My wife and I purchased a terraced Victorian property in Maryport. Conveyancing practitioner acted for me and Chelsea Building Society. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the matching property. I thought I was buying a freehold how can I check?

You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Maryport and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with your conveyancing solicitor who conducted the purchase.

I am purchasing my first flat in Maryport benefiting from help to buy. The developers would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not reveal to my solicitor about this side-deal as it could adversely affect my mortgage with the bank. 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.

I opted to have a survey completed on a house in Maryport prior to instructing conveyancers. I have been informed that there is a flying freehold aspect to the property. Our surveyor advised that some lenders may refuse to give a loan on a flying freehold house.

It varies from the lender to lender. Lloyds has different instructions for example to Halifax. Should you wish to call us we can check via the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Maryport. Conveyancing will be smoother if you use a solicitor in Maryport especially if they are accustomed to such properties in Maryport.