I am buying a new build house in Hurst Green with a loan from Clydesdale. The builders would not reduce the amount so I negotiated five thousand pounds worth of extras instead. The property agent suggested that I not reveal to my lawyer about this deal as it would adversely affect my loan with the bank. 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 advice of my in-laws I had a survey completed on a house in Hurst Green in advance of appointing lawyers. I have been advised that there is a flying freehold element to the property. The surveyor has said that some banks will refuse to give a mortgage on a flying freehold property.

It varies from the lender to lender. Lloyds has different instructions for example to Birmingham Midshires. If you call us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Hurst Green. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hurst Green to see if the conveyancing costs will increase in light of this.

I'm refinancing my primary house to a buy to let loan with TSB and intend to use the remaining equity as a deposit on a second house. The area we are interested in is Hurst Green. Will your conveyancers be able to act for the two banks and link together the transactions?

Do use our search tool on this site to ensure that the solicitors are approved by both lenders. Having checked that they are the lawyer should be able to simultaneously deal with the two deals but you should have a chat with you lawyer and make apparent your expectations and needs.

My father-in-law has recommend that I instruct his lawyers for conveyancing in Hurst Green. Should I choose my own property lawyer?

No doubt it’s preferable to select a conveyancing practitioner is to seek recommendations from friends or relatives who have previously instructed the solicitor that you are contemplating using.

What are your top tips when it comes to choosing a Hurst Green conveyancing practice to deal with our lease extension?

If you are instructing a solicitor for lease extension works (regardless if they are a Hurst Green conveyancing practice) it is essential that they be familiar with the legislation and specialises in this area of conveyancing. We advise that you talk with several firms including non Hurst Green conveyancing practices prior to instructing a firm. Where the conveyancing practice is ALEP accredited then so much the better. The following questions might be of use:

Can they put you in touch with clients in Hurst Green who can give a testimonial? If they are not ALEP accredited then what is the reason?

Hurst Green Leasehold Conveyancing - A selection of Questions you should consider before buying

What is the length of the lease? Does the lease include onerous restrictions? Plenty Hurst Green leasehold flats will have a service bill for the upkeep of the block set on behalf of the landlord. Where you purchase the property you will have to meet this amount, usually periodically throughout the year. This may vary from a few hundred pounds to thousands of pounds for blocks with lifts and large communal grounds. There will also be a rentcharge for you to pay annual, this is usually not a large figure, say around £25-£75 but you need to enquire as occasionally it can be prohibitively expensive.