Can you help? My Chesham Bois solicitor is assuring me that she is duty bound toapply for Chesham Bois conveyancing searches becausethe firm are on the HSBCconveyancing panel. Is this really necessary?

Unfortunately both you and your lawyer have little choice here. As you are obtaining a mortgage with a bank your solicitor has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your conveyancer would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to follow the CML Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Chesham Bois conveyancing searches.

I note that there are debates on Chancel Insurance on online forums. Am I compelled to have this when acquiring a property in Chesham Bois? or I am told that there is a law dating back centuries that could mean that owners of property residing in a parish church boundary will be compelled to pay for repairs to the chancel within the church. Is this appropriate for conveyancing in Chesham Bois?

Unless a prior purchase of the premises took place post 12 October 2013 you could take it that lawyers conducting conveyancing in Chesham Bois to remain encouraging a chancel search and or chancel repair liability insurance.

Me and my brother purchased a terraced Edwardian house in Chesham Bois. Conveyancing solicitor represented me and Coventry Building Society. I did a free Land Registry search last week and there are two entries: the first freehold, the second leasehold under the matching property. I thought I was buying a freehold how can I check?

You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Chesham Bois and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the position with the conveyancing lawyer who conducted the work.

I'm buying a new build house in Chesham Bois with the aid of help to buy. The builders refused to move on the price so I negotiated £7000 of extras instead. The property agent advised me not reveal to my lawyer about the deal as it would jeopardize my mortgage 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 property in Chesham Bois ahead of retaining solicitors. I have been informed that there is a flying freehold aspect to the house. Our surveyor advised that some banks may not grant a mortgage on this type of premises.

It depends who your proposed lender is. HSBC has different requirements for example to Nationwide. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Chesham Bois. Conveyancing may be slightly more expensive based on your lender's requirements.