Me and my wife are purchasing a ground floor flat in Yaxley. My Conveyancer is not on the lender approved list. Is it possible for me to continue with my Yaxley conveyancing solicitor even though they are not on the mortgage company panel?

One will need to have a lawyer to complete the legal work required when you need a loan to buy your home. They will carry out all the relevant legal checks on the property, make sure that you will be registered as proprietor and ensure that all the necessary mortgage documentation is dealt with. You could appoint a Yaxley lawyer of your choice. Nevertheless, where the conveyancer selected is not a member of the lender approved list additional charges will be incurred as separate legal representation will be need by the lender. Bank panel applications may be submitted, so if your solicitor has not in the past applied for membership they should take the opportunity to apply.

I understand that there are debates on Chancel Insurance on online forums. Do I require this when acquiring a property in Yaxley? or Apparently there is a law dating back centuries that means some owners of property living in a parish church boundary will be compelled to pay for maintenance to the chancel within the church. Is this applicable for conveyancing in Yaxley?

Unless a prior purchase of the house completed post 12 October 2013 you could take it that conveyancing practitioners conducting conveyancing in Yaxley to continue to propose a a chancel search and or chancel repair liability insurance.

The deeds to our house are lost. The conveyancers who conducted the conveyancing in Yaxley 10 years ago are no longer around. What are my options?

Nowadays there are duplicates made of almost everything, and your conveyancer should be aware exactly where to find all the appropriate paperwork so you can buy or sell your property without a hitch. If copies can’t be found, your conveyancer may be able to put in place insurance or indemnities against possible claims on the property.

I am buying my first flat in Yaxley with the aid of help to buy. The builders refused to budge the price so I negotiated five thousand pounds worth of extras instead. The sale representative told me not disclose to my lawyer about this side-deal as it would put at risk my mortgage with the bank. Do I keep my lawyer in the dark?.

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.

I'm remortgaging my existing house to a BTL loan with HSBC Bank and I will use the ballance of the raised equity as a deposit on further house. The neighborhood we are looking at is Yaxley. Will your solicitors be able to act for both sets of banks and link together the conveyances?

Make use of our comparison tool on this site to ensure that the conveyancers are approved by both lenders. On the basis that they are the lawyer should be able to simultaneously deal with the two transactions but you should have a chat with you solicitor and specify your expectations and requirements.