I am nearing an exchange on a flat in Wragby and my mum and dad have transferred the 10% deposit to my conveyancing practitioner. I am now informed that as the deposit has not come from me my conveyancing practitioner needs to disclose this to my bank. I am advised that, in also acting for the bank he must advise them that the balance of the purchase price is coming from anyone other than me. I advised the mortgage company concerning my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?

Your solicitor is legally required to clarify with the bank to ensure that they know that the balance of the purchase price is not from your own funds. The solicitor can only report this to your lender if you permit them to, failing which, your lawyer must cease to continue acting.

We are planning to purchase with Melton Mowbray Building Society. I called into 3 or 4 high street companies yet cant to find a Wragby conveyancing firm on the Melton Mowbray Building Society approved list. Could you help?

Please do take advantage of the search tool on this web page. Pick the lender and type Wragby or your preferred area and you will see a number of lawyer based in Wragby or nearest you.

I am helping my sister sell her house in Wragby. Will the conveyancer commission the EPC or should I organise this?

After the abolition of Home Packs, EPC’s was kept a required part of moving house. An energy performance certificate needs to be to hand prior to the property being placed on the market. This is not something that law firms normally arrange. If you are using a Wragby conveyancing lawyer they might help arrange energy assessments due to their contacts with long established local energy assessors

We expect to receive a DIP from RBS this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do RBS recommend any Wragby solicitors on the RBS conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Wragby solicitors independently although you'll need to choose one on the RBS conveyancing panel. The solicitor represents both you and RBS through the process.

I was told three weeks ago that my mortgage has been agreed to by Kent Reliance. Is it usual for Kent Reliance to only issue the offer once my solicitor in Wragby is approved on their conveyancing panel? Kent Reliance have asked my solicitor to see a copy of their PI Insurance.

Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Kent Reliance to deal with your lawyer's application to be on the Kent Reliance conveyancing panel. There's no guarantee that your solicitor will be accepted.

I am looking for a flat up to £245,000 and found one round the corner in Wragby I like with a park and transport links nearby, the downside is that it's only got 49 remaining years left on the lease. There is not much else in Wragby for this price, so just wondered if I would be making a grave error buying a lease with such few years left?

If you need a home loan the remaining unexpired lease term will be problematic. Discount the price by the expected lease extension will cost if not already taken into account. If the current owner has owned the premises for at least twenty four months you could request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing lawyer about this matter.

I am searching for Wragby conveyancing quotes online. Can I be sure that all the Wragby firms that are listed on your site are on the mortgage company conveyancing panel?

The solicitor and licensed conveyancing practices on our directory have assured us via an online form that they are on the lender panel and agreed to advise us to take down their listing in the event of removal off of the bank panel. To date we have not been informed by either a lender or a member of the public that the data about a specific Wragby conveyancing solicitor being on the bank conveyancing panel is not accurate.