We are a couple about to exchange contracts for a garden flat in Bedlington. We encountered a problem. Our mortgage offer with expires on but the sellers are putting forward a completion date of . Is it possible to extend the mortgage expiry date?

The person best placed to deal with your question is your lawyer who will determine if they corresponding with the mortgage broker, seller’s representatives, selling agents or possibly all three taking into account what has gone on in your conveyancing as of today.

We are downsizing from our property in Bedlington and the buyers lawyers are claiming that there is a risk of it being built on contaminated land. Any high street Bedlington conveyancer would know that there is no such problem. It does beg the question why the buyers are using a nationwide conveyancing outfit rather than a conveyancing solicitor in Bedlington. Having lived in Bedlington for 4 years we know of no issue. Should we get in touch with our local Authority to obtain confirmation need.

It would appear that you have a conveyancing solicitor currently acting for you. What do they say? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)

I'm buying a new build house in Bedlington with a loan from . The builders refused to reduce the price so I negotiated five thousand pounds worth of extras instead. The sale representative told me not to tell my conveyancer about the extras as it would jeopardize my mortgage with . 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 Bedlington ahead of instructing solicitors. I have been advised that there is a flying freehold aspect to the property. Our surveyor has said that some mortgage companies will not give a loan on a flying freehold house.

It varies from the lender to lender. HSBC has different instructions from Birmingham Midshires. If you e-mail us we can look into this further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Bedlington. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Bedlington to see if the conveyancing will be more expensive.

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

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