My financial adviser says he needs my Kirkby In Furness lawyer’ panel reference for the Nat West conveyancing panel. Can you suggest how I obtain this. I have called my local Kirkby In Furness office but they have not responded to me.

You are best placed to get this information from your Kirkby In Furness conveyancer . They retain a central record lender panel numbers.

Are there restrictive covenants that are commonly picked up during conveyancing in Kirkby In Furness?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Kirkby In Furness. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I am purchasing a new build house in Kirkby In Furness with a loan from Norwich and Peterborough Building Society. The builders refused to budge the price so I negotiated five thousand pounds worth of extras instead. The sale representative advised me not inform my conveyancer about this extras as it will affect my loan with the lender. 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.

I own a leasehold flat in Kirkby In Furness. Conveyancing and The Mortgage Works mortgage went though with no issue. A letter has just been received from someone saying they have taken over the reversionary interest in the property. It included a ground rent demand for rent dating back to 1992. The conveyancing solicitor in Kirkby In Furness who acted for me is not around. Any advice?

First make enquiries of the Land Registry to be sure that this person is indeed the registered owner of the freehold reversion. You do not need to instruct a Kirkby In Furness conveyancing lawyer to do this as it can be done on-line for £3. You should note that regardless, even if this is the legitimate landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

Leasehold Conveyancing in Kirkby In Furness - Sample of Questions you should consider before buying

Who are the managing agents? What restrictions are contained in the Kirkby In Furness Lease?

Can you please explain what my options are if my Kirkby In Furness conveyancing searches reveals detrimental entries?

Usually, the majority of concerns revealed in Kirkby In Furness conveyancing search responses can be addressed ahead of completion or title insurance could possibly be put on cover. You should remember that even though you are purchasing the premises and may be willing to accept the search results, your lender may not, and ultimately the decision rests with them.