I am need of leasehold conveyancing for a flat in a relatively new development (6 years built) in Freezywater. The vast majority the appartments are already sold. Do I need carry out the conveyancing searches for my conveyancing in Freezywater?

Where you are obtaining a loan, your lender will require some (many) of the searches so you'll have no choice. If not, then Freezywater conveyancing searches are optional. No doubt your conveyancer, will ’encourage’, perhaps in the strongest possible terms, that you should not go ahead without searches, but he or she is duty bound in this regard. One thing to bear in mind; if you are likely to sell the house one day, it may be of interest to your future buyer what the searches contain. Sometimes houses with no practical issues can still throw up adverse search results. But if you insist that your lawyer to proceed without searches then your lawyer will have to follow your instructions or ask you to appoint a different lawyer for your conveyancing in Freezywater.

Should our conveyancer be raising questions about flooding as part of the conveyancing in Freezywater.

Flooding is a growing risk for conveyancers conducting conveyancing in Freezywater. There are those who acquire a property in Freezywater, completely expectant that at some time, it may be flooded. However, leaving to one side the physical destruction, where a house is at risk of flooding, it may be difficult to get a mortgage, adequate insurance cover, or sell the premises. Steps can be carried out during the course of a house purchase to forewarn the purchaser.

Solicitors are not best placed to impart advice on flood risk, however there are a various checks that may be undertaken by the buyer or on a buyer’s behalf which will give them a better appreciation of the risks in Freezywater. The standard information given to a buyer’s solicitor (where the Conveyancing Protocol is adopted) contains a standard inquiry of the owner to determine if the premises has suffered from flooding. In the event that the residence has been flooded in past which is not disclosed by the vendor, then a purchaser could bring a legal claim for losses as a result of such an incorrect response. A buyer’s solicitors will also conduct an enviro report. This should reveal whether there is a recorded flood risk. If so, more detailed inquiries should be made.

I am buying a new build house in Freezywater with the aid of help to buy. The developers would not move on the price so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not reveal to my conveyancer about this extras as it will 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 opted to have a survey carried out on a property in Freezywater before instructing conveyancers. I have been advised that there is a flying freehold element to the house. Our surveyor has said that some banks will refuse to give a loan on this type of premises.

It varies from the lender to lender. Santander has different instructions from Nationwide. Should you wish to call us we can look into this further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Freezywater. Conveyancing may be slightly more expensive based on your lender's requirements.

How straightforward is it to use your search app to select a conveyancing solicitor in Freezywater on the authorised to act for my bank?

1st select a bank such as Lloyds TSB Bank, Coventry Building Society or Barclays Direct then type in your preferred area such as Freezywater. Conveyancing firms in Freezywater and further afield will then be listed.