My wife and I are due to exchange buying a house in Halstead but as a result of damage from the recent storms I have was able negotiate compensation from the current proprietors in the sum of six thousand pounds by way of a adjustment in the price. I had intended this to be addressed as part of amending the contract however Virgin Money are not allowing this. Should they have been notified?

The solicitor being on the Virgin Money conveyancing panel is required to advise Virgin Money of any amendments to the sale price. If you were to refuse your conveyancing practitioner to report the reduction to Virgin Money then they would have to discontinue acting for you. In addition, Virgin Money and you would have to appoint a new lawyer for your conveyancing in Halstead.

Have completed on a a detached house in Halstead , What is the estimated time for the Land Registry to deal with the formalities evidencing the transfer to my name? My Halstead conveyancing solicitor has been very slow, so I want to check that my purchase is registered.

As far as conveyancing in Halstead is concerned, registration is no faster or slower than the rest of England and Wales. Rather than based on location, timeframes can vary depending on the party submitting the application, whether there are errors and if the Land registry have to notify any third persons or bodies. Currently approximately 80% of such applications are fully addressed in less than three weeks but some can be subject to extensive hold-ups. Registration is effected once the new owner has moved in to the premises thus 'speed' is not always an essential issue but where it is urgent that the the registration takes place urgently then you or your lawyers could contact the land registry and explain the circumstances.

I am purchasing a new build house in Halstead with a loan from The Royal Bank of Scotland. The developers would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not to tell my lawyer about this deal as it may put at risk my loan with The Royal Bank of Scotland. 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.

Due to the encouragement of my in-laws I had a survey completed on a property in Halstead ahead of instructing lawyers. I have been informed that there is a flying freehold element to the house. My surveyor advised that some lenders may not issue a mortgage on such a property.

It varies from the lender to lender. HSBC has different instructions for example to 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 Halstead. Conveyancing may be slightly more expensive based on your lender's requirements.

I need to find a conveyancing solicitor for some conveyancing in Halstead. I've stumble upon a site which seems to have the perfect answer If there is a chance to get all this stuff done via email that would be preferable. Should I be wary? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?