Our nephew is in the process of securing a new build apartment in Four Oaks with a mortgage from Leeds Building Society. His lawyer has advised him of a delay in completing the ‘Disclosure of Incentive Form’. Who needs to receive the form?

The form is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Leeds Building Society conveyancing panel as a standard part of the process, and to the surveyor when asked. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Leeds Building Society conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

I am purchasing my first flat in Four Oaks with a loan from Godiva Mortgages Ltd. The builders would not move on the price so I negotiated 6k of fixtures and fittings instead. The estate agent advised me not disclose to my conveyancer about this deal as it could impact my loan with Godiva Mortgages Ltd. 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.

I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a simple, no chain conveyancing. Four Oaks is where the house is located. Can you offer any assistance?

Flying freeholds in Four Oaks are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Four Oaks you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Four Oaks may ascertain 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 property.

I am looking into buying my first house which is in Four Oaks and I am already nervous. I couldn't find anything specific about Four Oaks. Conveyancing will be needed in due course but do you know about the Four Oaks area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Four Oaks. In the meantime here are some basic statistics that we found

My father-in-law has encouraged me to use his conveyancing solicitors in Four Oaks. Do I take his advice?

No doubt it’s preferable to find a conveyancing lawyer is to have feedback from friends or relatives who have previously instructed the conveyancer that you are contemplating using.