It is 10 years ago since I acquired my house in Finchampstead. Conveyancing lawyers have now been appointed on the sale but I can't locate the deeds. Will this cause complications?

You need not be too concerned. Firstly the deeds may be retained by the lender or they could still be with the conveyancers who oversaw your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Almost all conveyancing in Finchampstead involves registered property but in the rare situation where your home is unregistered it adds to the complexity but is resolvable.

My colleague advised me that where I am buying in Finchampstead I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

A search of this type is usually included in the estimate for your Finchampstead conveyancing searches. It is not a small report of more than thirty pages, listing and setting out important information about Finchampstead around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Finchampstead Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful data concerning Finchampstead.

Are there restrictive covenants that are commonly identified during conveyancing in Finchampstead?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Finchampstead. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I'm buying a new build house in Finchampstead with the aid of help to buy. The builders refused to reduce the amount so I negotiated £7000 of additionals instead. The house builders rep suggested that I not disclose to my lawyer about this extras as it could adversely affect my loan with Lloyds TSB Bank. Is this normal?.

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.

How difficult is it to swap conveyancer as I have to retain one who is on the Norwich and Peterborough Building Society conveyancing panel. I hired a high street conveyancing solicitor in Finchampstead round the corner but she is not accepted by Norwich and Peterborough Building Society

It would be our pleasure to assist you find a conveyancing solicitor in Finchampstead on the Norwich and Peterborough Building Society panel. Please note that the conveyancers that we list do not pay us commission if you instruct them and are authorised and regulated by the SRA who regulate all conveyancing solicitors in Finchampstead. Using the find a conveyancing solicitor tool on this website, you can contrast charges for conveyancing solicitors in Finchampstead and throughout England and Wales.