We are purchasing a flat and need a conveyancing solicitor in Mayfield who is on the Clydesdale solicitor panel. Can you recommend a local 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 Clydesdale . We don't recommend any particular firms conducting conveyancing in Mayfield.

I am about to put an offer on a leasehold apartment in Mayfield. The property agents assure me that it is normal for flats in Mayfield to have less than 75 years remaining. I am obtaining a loan with Virgin. Is this going to be a problem if the lease has 72 years remaining.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 10/12/2024 the requirements read as follows :

This question may be naive but I am unseasoned as a first time purchaser of a garden flat in Mayfield. Do I receive the keys to the premises on completion from my solicitor? If this is the case, I will use a High Street conveyancing solicitor in Mayfield?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will electronically transfer the completion advance to the vendor’s lawyers, and shortly after the monies have arrived, you will be able to collect the keys from the Estate Agents and move into your new home. Usually this occurs between 1 and 3pm.

I had a mortgage agreed in principle with Santander. Mayfield conveyancing lawyers are selected. What is the average time that one could expect to receive a mortgage offer from Santander?

Some lenders take longer than others. Have Santander done the valuation? Have you advised Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

My sealed bid on a property in Mayfield has been agreed to, the owners do however have a tied purchase. The vendors have offered on somewhere, however it’s not yet agreed to, and are looking at other flats in the pipeline. I have chosen a local conveyancing solicitor in Mayfield. What should be my next step? At what stage do I apply for the mortgage with Santander?

It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is in the region of one thousand pounds, then valuation, Mayfield conveyancing search costs, etc). The first course of action is to ensure that your lawyer is on the Santander approved list. As to the subsequent phase this very much dictated by the specifics of your transaction, desire for the property and on the state of the market. During a hot market some buyers will apply for a home loan with Santander and arrange for the valuation and only if it comes back ok would they ask their conveyancing practitioner to move forward with searches.

I am buying my first flat in Mayfield with the aid of help to buy. The builders would not reduce the price so I negotiated £7000 of additionals instead. The estate agent told me not to tell my conveyancer about the deal as it would put at risk my mortgage with the bank. 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.

I am looking into buying my first house which is in Mayfield and I am already nervous. I couldn't find anything specific about Mayfield. Conveyancing will be needed in due course but do you know about the Mayfield area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Mayfield. In the meantime here are some basic statistics that we found