It has taken forever and a day but a mortgage offer from HSBC for the remortgage of my single room apartment is to be issued imminently. Could you suggest a cheap conveyancing lawyer in Reigate?

This site is not designed to aid those in pursuit of the lowest fares for conveyancing solicitors in Reigate. Our goal is to offer cost effective conveyancing but we do not advertise as being the cheapest. Do not be fooled by companies offering £99 conveyancing in Reigate. In your best case scenario, in being led by cheap conveyancing, you will end up with what you pay for and at worst you will end up being stung for additional fees and still not end up with the service expected.

We had instructed conveyancing lawyers located in Reigate on the Aldermore solicitor approved list. They are now charging me a supplemental charge for dealing with the Aldermore mortgage. Is this an additional conveyancing fee set by Aldermore?

As unfair as it may seem, as long as it’s in their Terms and Conditions or estimate then yes your solicitor may charge a fee for this. This charge is not dictated by Aldermore but by your Reigate conveyancer. Plenty of firms on the Aldermore panel will charge ’dealing with mortgage’ fee and others do not.

I was told three weeks ago that my mortgage has been agreed to by Yorkshire BS. Is it usual for Yorkshire BS to only issue the offer once my solicitor in Reigate is approved on their conveyancing panel? Yorkshire BS have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.

Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Yorkshire BS to deal with your lawyer's application to be on the Yorkshire BS conveyancing panel. There's no guarantee that your solicitor will be accepted.

Leeds Building Society have agreed my mortgage in principle, my bid on a flat in Reigate has been agreed to, what happens next?

The property agent will wish to know who your solicitors are (be sure the conveyancers are on the bank’s panel). Contact Leeds Building Society or the financial adviser and finish off any outstanding paperwork. Leeds Building Society will appoint a valuer who will get in contact with the selling agent or seller to book a time for the valuation to take place. Once conducted (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. Leeds Building Society will send the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Reigate.

I am buying a new build house in Reigate with a mortgage from Barnsley Building Society. The builders refused to move on the price so I negotiated £7000 of extras instead. The house builders rep advised me not disclose to my conveyancer about this deal as it will jeopardize my mortgage with Barnsley Building Society. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the builder 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.

We're first time buyers - agreed a price, but the agent advised that the owners will only issue a contract if we use their recommended conveyancers as they want an ‘expedited deal’. We would rather use a high street solicitor used to conveyancing in Reigate

We suspect that the seller is unaware of this demand. If they want ‘a quick sale', turning down a genuine purchaser is likely to cause more damage than good. Speak to the vendors direct and explain that (a)you are keen to buy (b)you are ready to go, with finances arranged © you are unencumbered (d) you wish to move quickly (e)but you are going to use your preferred Reigate conveyancing solicitors - not the ones that will provide the negotiator at the agency a kickback or achieve conveyancing targets set by HQ.

Why can I not complete my conveyancing in Reigate on a public holiday?

This is due to the fact that on completion the purchase price will be transferred electronically between the banks of the purchaser and owner’s conveyancer and currently this can only occur on a business day. It is not possible to complete on a weekend either.