My wife and I are hoping to acquire a home in Much Wenlock and have appointed a Much Wenlock conveyancing firm. Within the last couple of days our conveyancer has forwarded the sale agreement to be signed with a detailed report with a view to exchanging next week. Barclays have this morning contacted us to inform me that they have now hit a problem as our Much Wenlock lawyer is not on their approved list of lawyers. Is this a problem?

When purchasing a property with mortgage finance it is conventional for the purchasers' lawyers to also act for the mortgage company. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your property lawyer should contact your bank and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on the bank's conveyancing panel and you may continue to use your own Much Wenlock solicitors, in which case it will likely add costs, and it will likely delay the transaction as you are adding another lawyer into the mix.

I used Arc property Solicitors several years ago for my conveyancing in Much Wenlock. Now, I need my files however the law firm has closed. What do I do?

Do contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Much Wenlock of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

I am buying a new build house in Much Wenlock with a mortgage from Chelsea Building Society. The builders refused to reduce the amount so I negotiated £7000 of extras instead. The house builders rep suggested that I not to tell my solicitor about the deal as it may adversely affect my loan with Chelsea Building Society. 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.

Due to the guidance of my in-laws I had a survey completed on a property in Much Wenlock prior to appointing solicitors. I have been told that there is a flying freehold aspect to the house. Our surveyor advised that some mortgage companies will not issue a mortgage on a flying freehold home.

It varies from the lender to lender. Lloyds has different requirements for example to Halifax. If you contact us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Much Wenlock. Conveyancing will be smoother if you use a solicitor in Much Wenlock especially if they are accustomed to such properties in Much Wenlock.

I am using a search engine for the term on line conveyancing in Much Wenlock it reveals many solicitorsin the area. With so much choice what is the best way to find the right solicitor for my move?

The best way of seeking a suitable conveyancer is through a personal recommendation, so ask friends and relatives who have bought a property in Much Wenlock or a local estate agent or mortgage broker. Fees for conveyancing in Much Wenlock differ, so it's a good idea to secure a minimum of three fee calculations from varying types of conveyancers. Make sure that you clarify that the charges are guaranteed not to increase.