My husband and I are purchasing a brand new apartment in Uttoxeter and my solicitor is advising me that she has to the lender to reveal incentives from the seller. I am nearing the developer’s deadline to exchange contracts and I have no desire to prolong the conveyancing. Is my lawyer right?

You should not exchange unless you have been advised to do so by your conveyancing practitioner. A precondition to being on a lender panel is to comply with the UK Finance Lenders’ Handbook specifications. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

Will our solicitor be raising enquiries regarding flooding during the conveyancing in Uttoxeter.

Flooding is a growing risk for conveyancers specialising in conveyancing in Uttoxeter. Some people will buy a property in Uttoxeter, fully aware that at some time, it may suffer from flooding. However, aside from the physical damage, where a house is at risk of flooding, it may be difficult to obtain a mortgage, suitable insurance cover, or sell the property. Steps can be carried out during the course of a house purchase to forewarn the buyer.

Lawyers are not qualified to impart advice on flood risk, however there are a numerous checks that may be carried out by the purchaser or on a buyer’s behalf which will figure out the risks in Uttoxeter. The conventional set of property information forms given to a buyer’s conveyancer (where the Conveyancing Protocol is adopted) includes a usual question of the vendor to find out if the premises has suffered from flooding. In the event that flooding has previously occurred and is not notified by the seller, then a purchaser may commence a claim for damages resulting from an misleading response. A buyer’s conveyancers may also order an enviro search. This should disclose if there is any known flood risk. If so, further inquiries should be initiated.

I'm purchasing a new build house in Uttoxeter benefiting from help to buy. The builders refused to move on the amount so I negotiated five thousand pounds worth of extras instead. The house builders rep suggested that I not to tell my solicitor about the side-deal as it could put at risk my loan with Halifax. Should I keep quiet?.

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.

How do I use your search app to locate a conveyancing practitioner in Uttoxeter on the panel for my bank?

1st select a lender such as Barclays , Bank of Scotland or Nottingham Building Society then type in your location e.g. Uttoxeter. Conveyancing firms in Uttoxeter and across England and Wales will then be shown.

I am one month into a freehold purchase having been referred to solicitors by the local agent to handle our conveyancing in Uttoxeter. We are not happy. Could you help me find new solicitors?

They would have to be very poor to suggest changing them. Has your mortgage offer been generated? In the event that it has you must inform them of the replacement conveyancer and ensure the offer are re-issued. The solicitor ideally should be on the mortgage company approved list to avoid added fees and complications. So that should be your starting point. The search tool should help you find a lender approved lawyer for your conveyancing in Uttoxeter