My grandson is about to exchange on a house that has just been built in Moreton In Marsh with a home loan from Kent Reliance. His lawyer has said that there is a delay in completing 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 engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Kent Reliance conveyancing panel as a standard part of the process, and to the surveyor when asked. 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 Kent Reliance conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

My brother-in-law has suggested I instruct a conveyancing solicitor in Moreton In Marsh. I I would like to check if they are on the Coventry Building Society approved list of lawyers. Could you or the lender confirm if they are on the panel?

You should call the lawyer and enquire if they can act for the bank. Otherwise you should call Coventry Building Society who may be able to confirm.

What does a local search inform me about the property we're buying in Moreton In Marsh?

Moreton In Marsh conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search company for example Searchflow The local search is essential in every Moreton In Marsh conveyancing purchase; as long as you wish to avoid any unpleasant surprises after you move into your new home. The search will reveal data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject areas.

Me and my brother purchased a renovated Edwardian property in Moreton In Marsh. Conveyancing practitioner represented me and Yorkshire Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold under the matching property. Is it worth asking Yorkshire Building Society to clarify?

You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Moreton In Marsh and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing lawyer who completed the work.

I'm purchasing my first flat in Moreton In Marsh with a loan from Santander. The developers would not move on the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent told me not to tell my conveyancer about this side-deal as it will put at risk my mortgage with the lender. Should I keep quiet?.

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.