My partner and I are buying a newly built duplex in Northern Moor and my conveyancer is telling me that she has to the mortgage company to disclose incentives from the developer. The Estate Agents are hassling me to sign contracts and I would rather not delay matters. is my lawyer playing by the book?

You should not exchange unless you have been advised to do so by your conveyancer. A precondition to being on a bank panel is to comply with the UK Finance Lenders’ Handbook specifications. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

We previously appointed solicitors located in Northern Moor on the UBS solicitor approved list. They have just billed me a separate sum for the legal aspects of the UBS mortgage. Is this a supplemental conveyancing fee set by UBS?

As unfair as it may appear, as long as it’s in their Terms and Conditions or estimate then yes your conveyancing practitioner is entitled to charge a fee for this. This charge is not set by UBS but by your Northern Moor conveyancer. Plenty of firms on the UBS panel will charge ’dealing with mortgage’ fee but plenty of practices include it on their overall fee.

I am currently in the process of buying my council flat in Northern Moor. I have a mortgage offer with UBS. Conveyancing is not something I have any knowledge of. 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 UBS, you will need to appoint a solicitor on the UBS conveyancing panel.

I had an offer accepted on a house in Northern Moor on 6/12/2024, valuation was booked five days after, all came back fine. Conveyancer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Nottingham and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Nottingham conveyancing panel. Can the lender hold off the offer?

A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Nottingham to deal with your lawyer's application to be on the Nottingham conveyancing panel. There's no guarantee that your solicitor will be accepted.

About to purchase a new build flat in Northern Moor. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Northern Moor

Please confirm the Lease plans are architect prepared. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier?

I've recently found out that there is a flying freehold issue on a property I have offered on a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Northern Moor is where the house is located. What do you suggest?

Flying freeholds in Northern Moor are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Northern Moor you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Northern Moor may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

We are in the throes of a leasehold sale of a flat in Northern Moor. Conveyancing is fine but we have been asked to pay a fortune by the managing agents. So far we have paid £295.50 for a leasehold management pack and then another £118 for answers to queries supplied by the buyers solicitor.

Neither you or your solicitor will have any sway over the level of the charges for this information but the typical fee for the information for Northern Moor leasehold premises is £350. When it comes to Northern Moor conveyancing transactions it is standard for the owner to pay for these charges. The freeholder or their agents are not duty bound to answer such questions most will agree to do so - albeit often at exorbitant prices out of proportion to the work involved. Regretfully there is no statute that requires fixed fees for administrative tasks. There is no set time limit by which they are required to supply the information.