AssumingI was to buy a simple residential homein Cleator Moor mortgage fee and have no survey and no conveyancing searches how much would I expect to to save on my conveyancing in Cleator Moor?

The sole saving you would achieve is the disbursement for searches. A lawyer is required to do the vast majority of work - money laundering, communicating with your vendors conveyancing practitioner, stamp duty return, register the property etc. A marginal saving might be made by not having to register a mortgage however it will not be a lot.

Have just purchased a repossessed house at auction in Cleator Moor. Conveyancing is required. What is next?

Given that you have now legally bound yourself to purchase you will need to appoint a conveyancing solicitor quickly as you will have a pending deadline in which to complete the conveyancing. An auction property will ordinarily have a bespoke auction set of papers. This should include evidence of title and search results. In the case of leasehold premises the auction papers may provide a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation relating to leasehold premises. You need to hand this to your appointed conveyancing solicitor ASAP. Do make sure that that you have the requisite funding organised to complete on the date specified in the contract.

I have today made my last payment due on my mortgage with Skipton. I assume I don't need a Cleator Moor solicitor on the Skipton panel to remove the mortgage at the Land Registry. Am I right?

If you have finished paying off your Skipton mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Skipton mortgage from the register. Skipton, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Skipton has sent the Land Registry the discharge electronically, and
3. Skipton has instructed the Land Registry to do so

At last I have had an offer on a maisonette in Cleator Moor accepted, but there is a chain. The vendors have placed an offer on somewhere, however it’s not yet tied up, and have viewings of other properties booked. I have instructed a high street conveyancing solicitor in Cleator Moor. What do I do now? At what stage should I apply for the mortgage with HSBC?

It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur expenses too early (mortgage application is in the region of £1k, then valuation, Cleator Moor conveyancing search costs, etc). The first course of action is to check that your lawyer is on the HSBC conveyancing panel. Regarding the next steps this very much dictated by the circumstances of your transaction, desire for the property and on the state of the market. In a buoyant market many home buyers will apply for the mortgage with HSBC and arrange for the valuation and only if it comes back ok would they ask their conveyancing practitioner to move forward with the conveyancing in Cleator Moor.

I am purchasing a new build house in Cleator Moor with a mortgage from Nottingham Building Society. The developers would not move on the price so I negotiated 6k of additionals instead. The house builders rep suggested that I not to tell my conveyancer about this side-deal as it could impact my mortgage with the bank. Is this normal?.

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 am looking into buying my first house which is in Cleator Moor and I am already nervous. I couldn't find anything specific about Cleator Moor. Conveyancing will be needed in due course but do you know about the Cleator Moor area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Cleator Moor. In the meantime here are some basic statistics that we found

Some weeks ago I was told by my mortgage company that their approved solicitors operate no sale no fee basis for conveyancing in Cleator Moor. Our purchase aborted and now the conveyancers want search fees! They say the fees are nothing to do with their fees!

in promising "no move no fee" Cleator Moor conveyancing practices are foregoing their fees for any work carried out. We should make it clear that this is NOT an insurance scheme. you will still be expected to pay for any charges that the conveyancer has outlayed on your behalf for example Cleator Moor local authority checks