Our lender has suggested a law firm on their panel based in Malmesbury but I would rather use a conveyancing lawyer in Malmesbury or nearer to where I live. Are you able to help?

The minority of Malmesbury conveyancing practitioners are listed all banks conveyancing panel. Do make use of the above search tool to locate a Malmesbury conveyancing conveyancer on the on the bank panel.

I'm purchasing my first flat in Malmesbury benefiting from help to buy. The developers would not budge the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative advised me not inform my solicitor about the extras as it could affect my mortgage with the bank. Is this normal?.

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.

Should I be wary by 3rd parties that I am dealing with are encouraging me to use a web based conveyancing firm as opposed to a High Street Malmesbury conveyancing firm?

As with lots of service providers, often suggestions from family and friends can be extremely useful or valuable. Nevertheless there are numerous people with a vested interest in a conveyancing deal; estate agents, financial adviser and lenders may recommend lawyers to appoint. On occasion the lawyers might be known to one of the organisations as one of the best in their field, but occasionally there may be a commercial relationship behind the recommendation. You have the right to appoint your own lawyer. You need to be aware that most lenders specify a panel list of solicitors you must use for the mortgage aspect of your house move.