It has come to my attention via my broker that my Cudham lawyer is not on the lender Solicitor panel. How can I be sure whether this is correct?
The first thing you need to do is to call your Cudham conveyancer. You lawyer should advise you what has happened. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
We are about to sign contracts for a freehold house in Cudham. We have hit a snag. Our mortgage offer with Platform Home Loans Ltd runs out on 13/11/2025 but the vendors are putting forward a completion date of 17/11/2025. Is it possible to prolong the mortgage offer?
The best person to address this concern is your conveyancer who should assess if they better off negotiating with the mortgage broker, owner’s representatives, property agents or possibly all parties taking into account what has happend in your conveyancing to date.
There is lots of here concerning conveyancing in Cudham but can you isolate your top tip for appointing the right conveyancer in Cudham
Do not opt for the lowest Cudham conveyancing costs illustration. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in ahead of the deal.
When it comes to mortgage companies such as Santander, do Cudham solicitors face a fee to be on the conveyancing panel?
We are not aware of any mortgage company fees to be on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel application.
We previously chose conveyancers located in Cudham on the Clydesdale solicitor approved list. They are now charging me a separate sum for dealing with the Clydesdale mortgage. Is this an additional conveyancing fee set by Clydesdale?
Provided it is contained in their Terms and Conditions or estimate then yes your lawyer may charge a fee for this. The charge is not dictated by Clydesdale but by your Cudham property lawyer. Some firms on the Clydesdale panel will charge an ‘acting for lender’ fee and others do not.
My colleague suggested that where I am buying in Cudham I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally quoted for as part of the standard Cudham conveyancing searches. It is not a small document of more than thirty pages, listing and detailing important information about Cudham around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Cudham Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful information about Cudham.
I'm buying my first flat in Cudham benefiting from help to buy. The sellers refused to move on the price so I negotiated five thousand pounds worth of additionals instead. The estate agent suggested that I not to tell my lawyer about the side-deal as it will put at risk 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.
We're new on the property ladder - had an offer accepted, but the agent told us that the vendor will only move forward if we instruct their recommended solicitors as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a high street conveyancer with experience of conveyancing in Cudham
We suspect that the seller is unaware of this requirement. If they require ‘a quick sale', alienating a serious buyer is counter productive. Bypass the agents and go straight to the owners and make the point that (a)you are serious buyers (b)you are excited to move forward, with finances in place © you have nothing to sell (d) you intend to proceed fast (e)however you are going to use your own,trusted Cudham conveyancing firm - not the ones that will give the estate agent a kickback or hit his conveyancing figures pre-set by HQ.