I have a decision in principle. The bank mentioned the loan came with free conveyancing. Is the implication that I have to appoint their panel solicitor as I would much rather use a Pershore based conveyancing firm?

Do check but the the probability is that appoint one of their panel conveyancers where you take up the "fee-free" incentive. Contact the mortgage company and determine if they offer you a cash alternative. Some banks have previously offered a £250 cashback as a further option in which case you could put that amount towards your preferred conveyancing solicitor near Pershore.

We had chosen conveyancers locally in Pershore on the Clydesdale solicitor approved list. They are now charging me a supplemental charge for the legal aspects of the Clydesdale mortgage. Is this a supplemental conveyancing fee specified by Clydesdale?

Provided it is contained in their Terms of Engagement or estimate then yes your property lawyer is entitled to levy a fee for this. The fee is not dictated by Clydesdale but by your Pershore solicitor. Numerous firms on the Clydesdale panel will quote ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.

It is not clear whether my mortgage offer requires a lease extension. I have telephoned my Pershore bank branch on various occasions and was informed it wasn't an issue and they will lend. My Pershore conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they refuse to lend based on their specific requirements. I simply don't know who is right.

Your lawyer has to follow the CML Handbook section two conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

At last I have had an offer on an apartment in Pershore agreed to, the sellers do however have a dependent purchase. The owners have offered on somewhere, however it’s not yet agreed to, and are looking at other flats in the pipeline. I have selected a local conveyancing solicitor in Pershore. What do I do now? At what point should I apply for the mortgage with Nottingham?

It is normal to have concerns where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx one thousand pounds, then survey, Pershore conveyancing search fees, etc). The first thing to do is check that your property lawyer is on the Nottingham conveyancing panel. As to the subsequent steps this very much dictated by the specifics of your case, attraction to the property and on the state of the market. During a rising market the majority of purchasers would apply for the mortgage with Nottingham and arrange for the valuation and only if it was satisfactory would they request their solicitor to press on with searches.

I am buying a new build house in Pershore with the aid of help to buy. The developers would not budge the price so I negotiated £7000 of extras instead. The house builders rep advised me not inform my conveyancer about this deal as it would put at risk 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.

I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a simple, no chain conveyancing. Pershore is the location of the property. Can you offer any opinion?

Flying freeholds in Pershore are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Pershore you must be sure that your lawyer goes 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 Pershore may determine 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.

I'm converting the mortgage on my primary property to a BTL loan with TSB and intend to use the remaining equity towards a second house. The area we are interested in is Pershore. Will your lawyers be able to act for the two mortgage companies and link together the conveyances?

Do use our comparison tool on this site to be sure that the lawyers are on the appropriate lender panels. Having checked that they are the lawyer will be able to simultaneously deal with the two transactions but you should have a chat with you lawyer and make apparent your desired outcome and needs.