Recently contacted my conveyancing lawyer in North Baddesley who completed the legal work 18 months ago requesting a conveyancing estimate based on an identical type of house sale & purchase (a leasehold residence and a freehold premises) of almost identical values with a mortgage from Bank of Scotland. I am now being quoted twice the amount. Am I right to be tempted to shop around for a cheaper online conveyancer?

The estimate does seem a little overpriced. Where you are prepared to invest time scrutinising quotes you could decrease the fees marginally by say £100 plus VAT. On the other hand, if you were content with the service the firm gave you couldlive to regret choosing an an untested conveyancer. If is important to be sure the conveyancer can act for Bank of Scotland. Do employ our search tool to get a quote a North Baddesley conveyancing firm on the Bank of Scotland approved list of lawyers, which can often include conveyancing solicitors in North Baddesley.

My lawyer has informed me that missing deeds insurance is required on my purchase. What is the level of cover for North Baddesley conveyancing?

The appropriate level of missing deeds indemnity insurance depends on your lender. It would differ for example between Barclays and Coventry Building Society. Conveyancing solicitors as opposed to members of the public take out such insurances.

I am currently in the process of buying my council flat in North Baddesley. I have a mortgage offer with RBS. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with RBS, you will need to appoint a solicitor on the RBS conveyancing panel.

I recently had an offer agreed on an apartment in North Baddesley. My financial adviser pressured me to appoint their conveyancing practitioner. I paid an on account payment of £175. A few days later, the property lawyer contacted me embarrassingly acknowledging that they were not on the Leeds Building Society conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Leeds Building Society panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

I am purchasing my first flat in North Baddesley with a loan from Barclays Direct. The builders would not reduce the amount so I negotiated 6k of fixtures and fittings instead. The sale representative advised me not to tell my conveyancer about this deal as it would impact my mortgage with the lender. 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.

My step-father has suggested that I appoint his conveyancers in North Baddesley. Do I take his recommendation?

Much as we are happy to recommend a North Baddesley conveyancing lawyer the best way to choose a conveyancing solicitor is to seek recommendations from friends or family who have actually previously instructed the solicitor that you are considering.

I previously informed by my bank that their approved solicitors operate no completion no fee basis for conveyancing in North Baddesley. I had a purchase abort and now the lawyers want search fees! They are claiming that the fees are independent!

North Baddesley conveyancing search fees are disbursements not solicitors fees as these are paid to independent parties.