I had intended to instruct a property lawyer in Chelsfield for our home move. Our financial adviser informed us that our mortgage company won't deal with them. Surely this is unfair competition?

Pre- 2008 most banks had a different appetite for risk. Almost all Chelsfield conveyancing firms would have been on most lender panels. The Financial Services Authority in 2010 conducted a thematic review into mortgage fraud which come to the conclusion: know the conveyancing solicitors dealt with. Consequently, mortgage companies have regularly sought more information from law firms relating to their operations and their employees as well as set certain criteria such a completing on a minimum volume of conveyancing. Many Chelsfield conveyancing firms that have been excluded from lender panels have a 100% healthy track record, no complaints and no claims and didn't just 'dabble' in conveyancing.Chelsfield is amongst the numerous locations where the solicitors we recommend are on the panel for .

I'm purchasing my first flat in Chelsfield with a mortgage from . The sellers would not budge the amount so I negotiated five thousand pounds worth of extras instead. The sale representative advised me not inform my solicitor about the deal as it would put at risk my loan with the bank. 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.

I am 17 days into a residential purchase having been directed to conveyancers by the local agent to do our conveyancing in Chelsfield. I am not happy. Can you help me find new lawyers?

They would need to be really poor to suggest diss instructing them. Has the loan offer been generated? In the event that it has you must make them aware of the replacement conveyancer and ensure the offer are issued to the new lawyers. The conveyancer needs to be on the mortgage company approved list to avoid escalating costs and complications. So that should be your starting point. The search tool should help you find a bank approved solicitor for your conveyancing in Chelsfield