4 months have elapsed since my purchase conveyancing in Workington completed. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £170,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I am buying my first flat in Workington benefiting from help to buy. The sellers refused to reduce the price so I negotiated 6k of extras instead. The house builders rep suggested that I not reveal to my solicitor about this extras as it will adversely affect my loan with Clydesdale. 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.

Due to the encouragement of my in-laws I had a survey completed on a house in Workington ahead of retaining lawyers. I have been advised that there is a flying freehold aspect to the property. The surveyor has said that some lenders may not issue a mortgage on such a premises.

It varies from the lender to lender. Lloyds has different instructions for example to Birmingham Midshires. If you call us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Workington. Conveyancing will be smoother if you use a solicitor in Workington especially if they regularly deal with such properties in Workington.

Do I need to be concerned about 3rd parties that I am dealing with are suggesting an online conveyancing firm rather than a High Street Workington conveyancing firm?

As with many professional services, often recommendations from family and friends can be worth their weight in gold. Yet there are many players in a conveyancing transaction; estate agents, mortgage brokers and lenders may put forward lawyers to retain. Sometimes the lawyers might be known to one of the organisations as experts in their field, but sometimes there exists a financial incentive behind the recommendation. You are at liberty to choose your preferred lawyer. You need to be aware that some lenders operate an approved list of solicitors you must use for the lender aspect of your home move.

I would be grateful if you would clarify what options are available to me if my Workington conveyancing searches reveals detrimental entries?

Usually, the majority of problems arising from Workington conveyancing search responses can be dealt with before completion or indemnity insurance could possibly be put on cover. You should note that regardless of the fact that you may be buying the premises and may be content to accept the search results, your lender may not, and when all said and done they have the final say.