I'm buying a new build house in Ashford Kent with the aid of help to buy. The developers would not reduce the amount so I negotiated £7000 of fixtures and fittings instead. The estate agent told me not inform my lawyer about the side-deal as it may jeopardize my mortgage with the lender. Should I keep quiet?.

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.

Due to the advice of my in-laws I had a survey completed on a property in Ashford Kent ahead of retaining conveyancers. I have been informed that there is a flying freehold element to the house. My surveyor advised that some mortgage companies will not give a mortgage on such a home.

It varies from the lender to lender. Santander has different requirements from Nationwide. If you e-mail us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Ashford Kent. Conveyancing will be smoother if you use a solicitor in Ashford Kent especially if they regularly deal with such properties in Ashford Kent.

My cousin has suggested that I use his conveyancing solicitors in Ashford Kent. Should I choose my own conveyancer?

Much as we are happy to recommend a Ashford Kent conveyancing lawyer the best way to choose a conveyancing lawyer is to have recommendations from friends or relatives who have actually experience in using the conveyancer that you are considering.

I am on look out for some leasehold conveyancing in Ashford Kent. Before I set the wheels in motion I require certainty as to the remaining lease term.

If the lease is registered - and almost all are in Ashford Kent - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

Ashford Kent Conveyancing for Leasehold Flats - A selection of Queries Prior to Purchasing

How much is the ground rent and service charge? The answer will be useful as a) areas could cause problems in the building as the communal areas may begin to deteriorate where services remain unpaid b) if the tenants have a dispute with the managing agents you will need to have all the details

Our solicitor in Ashford Kent has identified a a legal deficiency with the lease for the flat we are buying in Ashford Kent. The seller’s lawyers have put forward defective title insurance as a solution. We are content with insurance and will cover the costs. Our lawyer has advised that as he is on the bank conveyancing panel he must check that the lender is happy with this solution. Are we the client or is the bank?

Just because you have a mortgage offer from the lender does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Ashford Kent conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the bank are the client. These conveyancing instructions must be adhered to by the lender conveyancing panel who has to balance acting for you and the mortgage company