My wife and I have just acquired a property in Curdworth. We have noticed several issues with the house which we believe were missed in the conveyancing searches. Is there anything we can do? Can you clarify the type of searches that should have been conducted for conveyancing in Curdworth?

The question is not clear as what problems have arisen and if they are relate to conveyancing in Curdworth. Conveyancing searches and due diligence undertaken during the legal transfer of property are carried out to help avoid problems. As part of the legal transfer of property, a seller fills in a document referred to as a Seller’s Property Information Form. answers proves to be incorrect, then you may have a claim against the seller for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Curdworth.

We see that you have a search directory listing solicitors on the Bank of Ireland conveyancing panel. Do firms pay you a referral fee if I appoint them for our own conveyancing in Curdworth?

We are a listing service only for law firms wishing to communicate if they are on the Bank of Ireland conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Curdworth.

My brother-in-law has suggested I instruct a conveyancing solicitor in Curdworth. I need to find out if they are on the Lloyds TSB Bank approved list of lawyers. Can you or the lender confirm if they are on the panel?

The first thing to do is contact your lawyer and ask them whether they can act for the bank. Otherwise you can get in touch with Lloyds TSB Bank who may be able to assist.

I'm purchasing a new build house in Curdworth with the aid of help to buy. The developers refused to reduce the amount so I negotiated £7000 of extras instead. The estate agent suggested that I not inform my lawyer about this side-deal as it will put at risk 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.

I've recently found out that there is a flying freehold element on a house I put an offer in last month in what was supposed to be a straight forward, no chain conveyancing. Curdworth is where the house is located. What do you suggest?

Flying freeholds in Curdworth are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Curdworth you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Curdworth may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.