In the event thatI were to acquire a simple residential homein Camelford for cash and have no survey and no local authority searches how much should I expect to to save on my conveyancing in Camelford?

Any savings you would make would be limited to the disbursement for searches. Your conveyancing practitioner is obliged to do the vast majority of work - money laundering, liaising with your vendors property lawyer, stamp duty return, register the property etc. You might save a bit for them not needing to register a charge but it will not be significant.

I own a renovated Georgian house in Camelford. Conveyancing solicitor acted for me and Norwich and Peterborough Building Society. I did a free Land Registry search last week and there are a couple of entries: the first freehold, another for leasehold with the matching property. Is it worth asking Norwich and Peterborough Building Society to clarify?

You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Camelford and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing solicitor who conducted the purchase.

I am buying a new build house in Camelford with a mortgage from Nationwide Building Society. The sellers would not budge the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep advised me not disclose to my solicitor about this deal as it could jeopardize my loan with the bank. Is this normal?.

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.

I opted to have a survey done on a property in Camelford prior to appointing lawyers. I have been told that there is a flying freehold aspect to the house. The surveyor advised that some banks may refuse to give a mortgage on such a property.

It depends who your proposed lender is. Lloyds has different instructions from Nationwide. If you e-mail us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Camelford. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Camelford to see if the conveyancing costs will increase in light of this.

I am in the process of purchasing my 1st property in Camelford. Conveyancing practitioner already instructed. The mortgage adviser advised that a survey is not appropriate as the house is only fifteen years old.

At the very least you should have a Home Buyer's Report. As the premises is more than ten years old the property will be without a warranty, so you don't want to take a risk. For a property that age with no signs of defects a Home Buyer's report may suffice. The report should highlight any apparent problems and recommend additional investigation if relevant. Where there are any signs of problems obtain a full structural survey.