My son-in-law is about to exchange on a newly built flat in Chulmleigh with a home loan from TSB. His conveyancer has advised him of a delay in completing the ‘Disclosure of Incentive Form’. Who needs to receive the form?

The document is intended to provide information to the main parties involved in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the TSB conveyancing panel as a standard part of the process, and to the valuer when requested. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the TSB conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

My partner and I have organised the release of further monies on our mortgage from Aldermore as we want to carry out a loft conversion to our property in Chulmleigh. Are we obliged to appoint a nearby Chulmleigh solicitor on the Aldermore conveyancing panel to handle the legals?

Aldermore don't usually instruct a member of their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Aldermore list.

I am expecting a OIP from Nationwide this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Nationwide recommend any Chulmleigh solicitors on the Nationwide conveyancing panel, or is it better to go independently?

You will need to appoint Chulmleigh solicitors independently although you'll need to choose one on the Nationwide conveyancing panel. The solicitor represents both you and Nationwide through the process.

I am due to exchange contracts on my house. I had a double glazing fitted in January 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, RBS are being pedantic. The Chulmleigh solicitor who is on the RBS conveyancing panel is happy to accept ‘lack of building regulation’ insurance but RBS are insisting on a building regulation certificate. Why do RBS have a conveyancing panel if they don't accept advice from them?

It is probably the case that RBS have referred the matter to their valuer. The reason why RBS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

I'm purchasing a new build house in Chulmleigh with a mortgage from Chelsea Building Society. The builders refused to move on the price so I negotiated 6k of additionals instead. The house builders rep told me not reveal to my lawyer about this extras as it may put at risk my loan with Chelsea Building Society. Should I keep quiet?.

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'm converting the mortgage on my current property to a buy to let loan with The Mortgage Works and I will use the ballance of the raised equity as a down payment on further property. The location we are interested in is Chulmleigh. Will your solicitors be able to act for the two banks and link together the two deals?

Do use our comparison tool on this page to ensure that the conveyancers are approved by both lenders. On the basis that they are the lawyer will be able to tie up the two deals but you should talk with you lawyer and communicate your expectations and needs.

As co-executor for the will of my father I am selling a property in Cardiff but I am based in Chulmleigh. My lawyer (based 200 miles from mehas requested that I execute a stat dec before the transaction finalising. Could you suggest a conveyancing practitioner in Chulmleigh who can witness this legal document for me?

Technically speaking you should not be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or solicitor will do regardless of whether they are Chulmleigh based