Our god-son is buying a house that has just been built in Mitcheldean with a home loan from Santander. His lawyer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?

The document is intended to provide information to the main parties involved in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Santander conveyancing panel as a standard part of the process, and to the valuer when requested. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Santander conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

We just had an offer accepted to buy with Melton Mowbray Building Society. We have called around locally but am struggling to find a Mitcheldean conveyancing firm on the Melton Mowbray Building Society panel. Could you help?

You should make use of the find a lender approved solicitor tool on this page. Please choose the building society and type Mitcheldean or your location and you will discover numerous solicitors based in Mitcheldean or by proximity to you.

My relative advised me that where I am purchasing in Mitcheldean I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is occasionally quoted for as part of the standard Mitcheldean conveyancing searches. It is not a small document of more than thirty pages, listing and detailing significant information about Mitcheldean around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Mitcheldean Education with plans and statistics, Local Amenities and other useful data regarding Mitcheldean.

I am purchasing a new build house in Mitcheldean benefiting from help to buy. The sellers would not move on the price so I negotiated 6k of extras instead. The property agent advised me not disclose to my solicitor about this extras as it could put at risk my loan with The Royal Bank of Scotland. 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.

Yesterday I discovered that there is a flying freehold issue on a property I have offered on two weeks back in what should have been a simple, no chain conveyancing. Mitcheldean is where the house is located. Is there any guidance you can impart?

Flying freeholds in Mitcheldean are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Mitcheldean you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Mitcheldean may decide 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 premises.