I'm purchasing a new build house in Ellesmere Port with a mortgage from Bank of Scotland. The sellers refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not inform my lawyer about this side-deal as it would put at risk my mortgage with the bank. 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.

Due to the advice of my in-laws I had a survey completed on a property in Ellesmere Port before instructing conveyancers. I have been told that there is a flying freehold overhang to the property. My surveyor has said that some lenders may not give a mortgage on such a home.

It depends who your proposed lender is. Bank of Scotland has different requirements from Birmingham Midshires. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Ellesmere Port. Conveyancing may be slightly more expensive based on your lender's requirements.

Is it possible to switch firm as I have to retain one who is on the Aldermore conveyancing panel. I was using a family conveyancing solicitor in Ellesmere Port round the corner but he is not approved by Aldermore

It would be our pleasure to assist you find a conveyancing solicitor in Ellesmere Port on the Aldermore panel. Please note that the solicitors that we on the directory do not pay us commission if you instruct them and are regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Ellesmere Port. In utilising search facility on this website, you can contrast costs for conveyancing solicitors in Ellesmere Port and beyond.

I would like to let out my leasehold apartment in Ellesmere Port. Conveyancing solicitor who did the purchase is retired - so can't ask her. Do I need to ask my freeholder for permission?

Your lease dictates relations between the freeholder and you the flat owner; in particular, it will set out if subletting is not allowed, or permitted but only subject to certain conditions. The accepted inference is that if the lease contains no expres ban or restriction, subletting is allowed. Most leases in Ellesmere Port do not prevent strict prohibition on subletting – such a provision would undoubtedly devalue the property. Instead, there is usually a basic requirement that the owner notifies the freeholder, possibly supplying a copy of the sublease.

I own a 1 bedroom flat in Ellesmere Port, conveyancing formalities finalised September 2000. Can you work out an approximate cost of a lease extension? Equivalent properties in Ellesmere Port with a long lease are worth £185,000. The average or mid-range amount of ground rent is £65 invoiced every year. The lease runs out on 21st October 2084

With just 60 years unexpired we estimate the price of your lease extension to be between £20,000 and £23,000 as well as costs.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we are not able to provide a more accurate figure in the absence of detailed investigations. You should not use this information in tribunal or court proceedings. There may be additional concerns that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. Please do not move forward based on this information before getting professional advice.

For various reasons I cannot visit my Ellesmere Port conveyancing solicitors office to sign documents for conveyancing in Ellesmere Port – will this be problematic?

You need not be concerned. Ellesmere Port conveyancing lawyers can conduct conveyancing transactions for clients across the country. It is not necessary for you to be able to meet your lawyer in the flesh at a Ellesmere Port conveyancers office. Almost all conveyancer can deal with everything via phone, post and email - whatever works for you.