I'm purchasing my first flat in Borough Green benefiting from help to buy. The builders refused to move on the amount so I negotiated £7000 of additionals instead. The property agent suggested that I not to tell my lawyer about this extras as it may jeopardize my loan with Santander. Do I keep my lawyer in the dark?.

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.

I've recently found out that there is a flying freehold element on a property I put an offer in last month in what should have been a quick, no chain conveyancing. Borough Green is where the house is located. What do you suggest?

Flying freeholds in Borough Green are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Borough Green you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Borough Green may determine 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.

How do I search for a Borough Green law firm on the Santander conveyancing panel? I have wheels and am prepared to travel upto 25kilometers to meet the conveyancer.

Feel free to make use of the search on this website. Please pick a bank and your location and you will see a number of Borough Green conveyancing lawyers based on proximity. We have listed some Borough Green conveyancing firms at the bottom of this page and you can contact them to verify whether they are on the Santander panel

I’m about to sell my 2 bed flat in Borough Green. Conveyancing solicitors are to be appointed soon, but I have just received a half-yearly service charge invoice – Do I pay up?

The sensible thing to do is clear the maintenance contribution as usual given that all ground rent and service charges should be apportioned on completion, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

I bought a ground floor flat in Borough Green, conveyancing was carried out 6 years ago. Can you give me give me an indication of the likely cost of a lease extension? Equivalent properties in Borough Green with over 90 years remaining are worth £211,000. The ground rent is £45 per annum. The lease ends on 21st October 2091

With only 67 years remaining on your lease the likely cost is going to span between £10,500 and £12,000 as well as plus your own and the landlord's "reasonable" professional fees.

The figure that we have given is a general guide to costs for extending a lease, but we are not able to advice on the actual costs without more comprehensive investigations. You should not use this information in tribunal or court proceedings. There may be other issues that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information before getting professional advice.

I've found a house that seems to be perfect, at a great price which is making it all the more appealing. I have since discovered that the title is leasehold rather than freehold. I am assuming that there are particular concerns purchasing a leasehold house in Borough Green. Conveyancing advisers have are soon to be appointed. Will my lawyers set out the implications of buying a leasehold house in Borough Green ?

Most houses in Borough Green are freehold and not leasehold. This is one of the situations where having a local conveyancer who is familiar with the area can help the conveyancing process. it is apparent that you are purchasing in Borough Green so you should seriously consider shopping around for a Borough Green conveyancing practitioner and be sure that they have experience in dealing with leasehold houses. First you will need to check the unexpired lease term. As a leaseholder you will not be entirely free to do whatever you want to the property. The lease comes with conditions for example obtaining the landlord’sconsent to conduct changes to the property. You may also be required to pay a service charge towards the upkeep of the communal areas where the house is located on an estate. Your conveyancer should report to you on the legal implications.