I'm buying a new build house in Silverton benefiting from help to buy. The sellers would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep told me not inform my solicitor about the extras as it will adversely affect my loan with Nottingham Building Society. 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.

Over the last few months I have been searching for a flat up to £305k and identified one near me in Silverton I like with a park and station nearby, the downside is that it's only got 51 remaining years left on the lease. I can't really find anything else in Silverton for this price, so just wondered if I would be making a mistake buying a lease with such few years left?

If you require a home loan that many years may be a potential deal breaker. Discount the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for at least twenty four months you could request that they start the process of the extension and pass it to you. You can add 90 years to the current lease with a zero ground rent applied. You should speak to your conveyancing solicitor regarding this matter.

Are there any apps to help identify a Silverton law firm on the TSB conveyancing panel? I drive a motor bike and am prepared to travel upto 25miles to meet the lawyer.

You can use the tool on this page. Please select a bank and your location and you will see a number of Silverton conveyancing lawyers located nearest you. We have detailed some Silverton conveyancing firms towards the end of this page and you can contact them to see if they are on the TSB member panel

My cousin has encouraged me to use his conveyancers in Silverton. Do I follow his recommendation?

Much as we are happy to recommend a Silverton conveyancing lawyer it’s preferable to select a conveyancing lawyer is to get guidance from friends or relatives who have used the conveyancer you're contemplating using.

Why do I have to send my conveyancing practitioner with a list of items of ID before I can proceed with my conveyancing in Silverton?

Silverton conveyancers are required by the Law Society, SRA, HMLR and current AML legislation to record that the have verified the identity of their clients. It is also sometimes a condition of your mortgage offer. Furthermore they have to complete various forms, particularly those relating to SDLT and need to have information such as your full names, NI number and date of birth.