I was notified today by my financial adviser that my Waterhouses solicitor is not on the bank Solicitor panel. What can I do to be sure if this is correct?

You need to contact your Waterhouses conveyancer. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they may be able to suggest a Waterhouses conveyancing firm that is on the approved list of lawyers for your bank.

I am buying my first flat in Waterhouses with a mortgage from Bank of Scotland. The developers refused to budge the amount so I negotiated 6k of fixtures and fittings instead. The house builders rep told me not inform my lawyer about the extras as it could affect my loan with the lender. Do I keep my lawyer in the dark?.

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.

Yesterday I discovered that there is a flying freehold issue on a house I put an offer in a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Waterhouses is where the house is located. What do you suggest?

Flying freeholds in Waterhouses are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Waterhouses you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Waterhouses may ascertain 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 premises.

My father has urged me to use his conveyancers in Waterhouses. Should I find my own conveyancer?

No doubt the ideal way to choose a conveyancing practitioner is to have guidance from friends or family who have actually previously instructed the solicitor you're are thinking of instructing.

What tools are available to search for a Waterhouses conveyancing solicitor on the lender conveyancing panel? I have a car and am prepared to travel up to 20miles to attend the lawyer.

Feel free to make use of the find a conveyancing panel tool on this website. Please choose the lender and your location, in this case Waterhouses and you will see a number of lawyer located nearest Waterhouses. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the bank solicitor panel.