Having sold my house in Great Dunmow last September but our buyer keeps telephoning daily to moan that her solicitor is waiting to hear from myconveyancer. What should have happened following completion?

Following your house sale your solicitor should deliver the transfer deeds and all of the paperwork to the buyer’s solicitors. Where relevant, your lawyer should also confirm that the mortgage has been paid off to the purchasers solicitors. There is unlikely to be post completion tasks specific conveyancing in Great Dunmow.

Do I need to take out insurance to address the risk of chancel repairs when purchasing a residence in Great Dunmow?

Unless a prior acquisition of the house took place after 12 October 2013 you can take it that lawyers delivering conveyancing in Great Dunmow to remain recommending a chancel search and or insurance against a claim.

I have a semi-detached Victorian house in Great Dunmow. Conveyancing solicitor acted for me and The Royal Bank of Scotland. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?

You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Great Dunmow and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing solicitor who conducted the purchase.

I'm buying a new build house in Great Dunmow with the aid of help to buy. The builders would not move on the amount so I negotiated £7000 of additionals instead. The estate agent advised me not inform my lawyer about the extras as it will affect my mortgage with the bank. Do I keep my lawyer in the dark?.

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.

I decided to have a survey carried out on a house in Great Dunmow in advance of appointing conveyancers. I have been advised that there is a flying freehold element to the property. My surveyor advised that some lenders will refuse to grant a loan on this type of home.

It varies from the lender to lender. Santander has different instructions for example to Birmingham Midshires. If you call us we can check via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Great Dunmow. Conveyancing may be slightly more expensive based on your lender's requirements.