I am purchasing my first flat in City of Darlington with a mortgage from Bank of Scotland. The builders would not reduce the price so I negotiated £7000 of extras instead. The sale representative advised me not inform my lawyer about this extras as it will put at risk my loan with the lender. Do I keep my lawyer in the dark?.

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 carried out on a property in City of Darlington before instructing lawyers. I have been told that there is a flying freehold element to the house. My surveyor advised that some banks tend not issue a loan on such a home.

It varies from the lender to lender. Lloyds has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in City of Darlington. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in City of Darlington to see if the conveyancing costs will increase in light of this.

Taking into account that I will soon part with 450k on a terraced house in City of Darlington I would like to talk to a conveyancer concerning thehouse move prior to giving the go ahead to the firm. Can this be arranged?

We could not agree more - we would be happy to talk to you we do not take any clients on without you first talking to the lawyer who will be doing your property ownership legalities in City of Darlington.There is no ‘factory style conveyancing’ - each client is unique person, not a matter reference. The solicitors that we put you in touch with believe that the figure you are quoted for residential conveyancing in City of Darlington should be the figure that you end up paying.

Am I better off to instruct a City of Darlington conveyancing practitioner based in the location that I am buying? An old friend can carry out the conveyancing however they are based 200kilometers away.

The primary upside of using a local City of Darlington conveyancing practice is that you can visit the firm to sign paperwork, present your ID and pester them where appropriate. Having local City of Darlington know how is a benefit. However it's more important to get someone that will do a good and efficient job. If you know people who instructed your friend and the majority were happy that should outweigh using an unknown City of Darlington conveyancing lawyer solely due to them being based in the area.

I have been looking for City of Darlington online conveyancing estimates. Can I be assured that all the City of Darlington law firms that are identified on your site are on the lender conveyancing panel?

The law firms listed on our site have advised us that they are on the bank panel and agreed to advise us to take down their listing in the event of removal off of the lender panel. To date we have not been informed by either a lender or a member of the public that the data about a specific City of Darlington conveyancing solicitor being on the mortgage company conveyancing panel is incorrect.