I have a decision in principle. The lender mentioned the mortgage came with free conveyancing. Does this mean I have to use their panel solicitor as I would prefer to appoint a Milford Haven based conveyancing firm?

Do check but the the likelihood is that appoint one of their panel lawyers if you accept the "fee-free" offer. Call the lender and check if they offer you a cash alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor near Milford Haven.

My wife and I have arranged the release of further funds on our home loan from HSBC as we wish to carry out renovations to our property in Milford Haven. Are we obliged to appoint a nearby Milford Haven solicitor on the HSBC conveyancing panel to deal with the legals?

HSBC do not ordinarily appoint firms on their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the HSBC list.

We have a mortgage agreed in principle with Clydesdale. Milford Haven conveyancing lawyers are selected. What is the average time that one could expect to receive a mortgage offer from Clydesdale?

There is no definitive answer here. Have Clydesdale completed the valuation? Have you advised Clydesdale as to your lawyers' details and checked that your lawyers are on the Clydesdale conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

Virgin Money have agreed my home loan in principle, my offer on a apartment in Milford Haven has been accepted, what are the next steps?

Your property agent will wish to be informed of your conveyancer's details (make sure the property lawyers are on the lender’s panel). Call up Virgin Money or the financial adviser and finish off any appropriate documentation. Virgin Money will appoint a valuer who will get in contact with the selling agent or vendor to schedule an appointment. Once carried out (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Virgin Money will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Milford Haven.

I am purchasing a new build house in Milford Haven with a mortgage from Chelsea Building Society. The sellers refused to move on the amount so I negotiated £7000 of additionals instead. The sale representative told me not inform my conveyancer about this deal as it would affect my mortgage with the bank. Should I keep quiet?.

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 decided to have a survey done on a property in Milford Haven in advance of appointing conveyancers. I have been informed that there is a flying freehold aspect to the house. Our surveyor has said that some banks tend refuse to give a mortgage on this type of property.

It varies from the lender to lender. HSBC has different requirements from Birmingham Midshires. Should you wish to telephone us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Milford Haven. Conveyancing will be smoother if you use a solicitor in Milford Haven especially if they are familiar with such properties in Milford Haven.

A licensed conveyancer dealt with my conveyancing in Milford Haven seven years past and was holding my title documents but has now closed – What steps do I now take to get hold of them?

Deeds, as such, are no longer appropriate for the majority of properties in Milford Haven are recorded digitally at Land Registry. Where you need to show ownership or are selling or refinancing your lawyer can obtain up to date copies of the register from the Land Registry in any case.

If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.