I am buying a new build duplex in Cleveleys and my lawyer is informing me that she is duty bound to the mortgage company to disclose incentives from the builder. I am under pressure to sign contracts and I don't want to prolong matters. is my lawyer playing by the book?

You should not exchange unless you have been advised to do so by your lawyer. A precondition to being on a bank panel is to comply with the UK Finance Lenders’ Handbook provisions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

My colleague suggested that where I am buying in Cleveleys I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

This is a search is occasionally included in the estimate for your Cleveleys conveyancing searches. It is not a small document of about 40 pages, listing and detailing significant information about Cleveleys around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Cleveleys Education with maps and statistics, Local Amenities and other useful information regarding Cleveleys.

I am purchasing a new build house in Cleveleys benefiting from help to buy. The developers refused to reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative suggested that I not disclose to my lawyer about this extras as it would put at risk my loan with Clydesdale. 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 am downsizing from my property. My former conveyancers closed down. I would be grateful for any recommendation of a conveyancing firm. Im based in Cleveleys if that affects matters.

Please use our search tool to help you choose a solicitor for your conveyancing in Cleveleys. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs smoothly.

My father-in-law has encouraged me to appoint his conveyancers in Cleveleys. Should I choose my own conveyancer?

There are no two ways about it the ideal way to find a conveyancing solicitor is to have guidance from friends or family who have used the conveyancer you're are thinking of instructing.