I can't travel far from Chorleywood. What is the rationale as to why all Chorleywood conveyancing practitioners aren't included on all mortgage company panels?

As inequitable as it may appear for mortgage companies to restrict who can represent them, from the public’s or solicitor’s perspective, the the contrary view is that banks are increasingly anxious and consider it essential to defend themselves from illegal activities. As a result of this concern lenders are limiting their conveyancing panel to a size that they are happy to control.

Will my conveyancer be raising enquiries regarding flooding as part of the conveyancing in Chorleywood.

Flooding is a growing risk for conveyancers specialising in conveyancing in Chorleywood. There are those who buy a house in Chorleywood, fully aware that at some time, it may suffer from flooding. However, aside from the physical damage, where a property is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or dispose of the property. Steps can be carried out as part of the conveyancing process to forewarn the purchaser.

Solicitors are not best placed to offer advice on flood risk, however there are a numerous checks that can be initiated by the purchaser or on a buyer’s behalf which should give them a better understanding of the risks in Chorleywood. The standard information supplied to a purchaser’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a standard question of the seller to determine whether the premises has historically flooded. In the event that the property has been flooded in past and is not notified by the vendor, then a buyer may bring a legal claim for losses resulting from an incorrect response. A buyer’s conveyancers will also conduct an enviro search. This will higlight if there is a recorded flood risk. If so, more detailed investigations should be conducted.

I'm purchasing a new build house in Chorleywood benefiting from help to buy. The sellers refused to move on the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not disclose to my lawyer about this side-deal as it will affect my mortgage 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.

Given that I will soon spend hundreds of thousands of pounds on a terraced house in Chorleywood I wish to have a conversation with the lawyer concerning theconveyancing in advance of giving the go ahead to the firm. Can this be arranged?

We could not agree more - it is our preference to talk to you we do not take any clients on without you speaking to the conveyancer due to be carrying out your conveyancing in Chorleywood.There is no ‘factory style conveyancing’ - every client is unique individual, not a matter number. The practices that we put you in touch with believe that the fees you are provided with for residential conveyancing in Chorleywood should be the figure that you are charged.

I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the mortgage company conveyancing panel. My lawyer has said that they are on the lender approved panel. How can I be sure given that they are not listed on your directory?

Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the bank conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the mortgage company solicitor panel.