My husband and I are purchasing a purpose built flat in Selsey with a loan from Nottingham Building Society.We use our Selsey conveyancing practitioner but Nottingham Building Society advised that she’s not listed on their "panel". We have to appoint a Nottingham Building Society panel solicitor or keep our preferred solicitor and fork out for a Nottingham Building Society panel lawyer to represent them. We feel as though this is unjust; Can we not simply insist that Nottingham Building Society use our lawyer?

Unfortunately,no. The home loan issued to you is subject to its terms and conditions, one of which will be that conveyancers needs to be on the Nottingham Building Society approved list. in the past, most mortgage companies had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Nottingham Building Society

Me and my partner are purchasing a flat in Selsey. It might be a silly question but how we can trust a conveyancer? At some point we have to put funds into their account. What is the protection we have from them run away with our money?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

Intending to buy a flat in Selsey. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Principality conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Selsey conveyancer is on the Principality conveyancing panel.

Our offer on a semi in Selsey has been accepted, the owners do however have an associated purchase. The owners have offered on on an apartment, however it’s not yet tied up, and have viewings of other apartments booked. I have selected a local conveyancing solicitor in Selsey. What do I do now? When should I get the mortgage application with Leeds Building Society started?

It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is in the region of £1k, then valuation, Selsey conveyancing search fees, etc). First, you should check that your property lawyer is on the Leeds Building Society approved list. As to the subsequent steps this very much dictated by the circumstances of your case, attraction to this property and on the state of the market. During a rising market the majority of buyers will apply for the mortgage with Leeds Building Society and pay for the valuation and only if it was satisfactory would they ask their lawyer to press on with searches.

Will our solicitor be making enquiries concerning flooding during the conveyancing in Selsey.

The risk of flooding is if increasing concern for conveyancers dealing with homes in Selsey. There are those who purchase a house in Selsey, completely aware that at some time, it may be flooded. However, aside from the physical damage, if a house is at risk of flooding, it may be difficult to obtain a mortgage, suitable building insurance, or sell the property. Steps can be carried out during the course of a property purchase to forewarn the purchaser.

Solicitors are not qualified to impart advice on flood risk, however there are a number of searches that can be initiated by the buyer or by their solicitors which should give them a better appreciation of the risks in Selsey. The conventional set of information sent to a buyer’s lawyer (where the solicitors are adopting what is known as the Conveyancing Protocol) incorporates a usual inquiry of the seller to determine if the property has historically flooded. If flooding has previously occurred and is not notified by the vendor, then a buyer could bring a claim for damages stemming from an inaccurate response. A purchaser’s conveyancers will also conduct an enviro search. This should indicate whether there is a recorded flood risk. If so, additional inquiries will need to be initiated.

Just had an offer accepted on a new build flat in Selsey. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Here are examples of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Selsey

Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Please confirm the Lease plans are surveyor prepared. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. There must be mutual enforceability of lessee’s covenants. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.

I'm refinancing my primary house to a buy to let loan with Aldermore and intend to use the remaining equity as a down payment on further house. The location we are talking about is Selsey. Will your conveyancers be able to act for both sets of banks and tie in the transactions?

Do use our search tool on this site to check that the solicitors are on the appropriate lender panels. On the basis that they are your solicitor will be able to connect the two deals but you should have a chat with you lawyer and specify your expectations and needs.