Me and my partner are purchasing our first property. The lawyer has contact usto see if we would like to order supplemental conveyancing searches. As novices we in the dark as to what's needed for conveyancing in Highcliffe

The type of Highcliffe conveyancing searches depends entirely on the premises, the location, the likelihood of any of these risks, your knowledge of the region and risks, your general approach to risk. What matters is that you adequately comprehend what information each search could supply. You may then decide if you consider that you need that search. Should you be uncertain, ask your lawyer to recommend.

A colleague advised me that if I am buying in Highcliffe 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?

A search of this type is occasionally quoted for as part of the standard Highcliffe conveyancing searches. It is not a small document of about 40 pages, listing and setting out significant information about Highcliffe around the property and the people living there. It includes 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, Highcliffe Education with plans and statistics, Local Amenities and other useful information regarding Highcliffe.

I'm purchasing my first flat in Highcliffe with a mortgage from HSBC Bank. The builders would not reduce the amount so I negotiated £7000 of additionals instead. The sale representative advised me not reveal to my lawyer about the extras as it will put at risk my loan with the lender. Should I keep quiet?.

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.

Over the last few months I have been searching for a ground for flat up to £245,000 and found one close by in Highcliffe I like with a park and railway links in the vicinity, however it only has 51 remaining years left on the lease. I can't really find anything else in Highcliffe for this price, so just wondered if I would be making a mistake acquiring a lease with such few years left?

Should you need a mortgage that many years may be a potential deal breaker. Discount the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for at least twenty four months you could ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing solicitor about this matter.

Our lawyer in Highcliffe has discovered a a problem with the lease for the property we are purchasing in Highcliffe. The other side have put forward defective title insurance as a workaround. We are happy with insurance and will cover the costs. Our lawyer has advised that as he is on the lender conveyancing panel he must ensure that the lender is happy with this solution. Who is the client here, us or the mortgage company?

Just because you have a mortgage offer from the lender does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Highcliffe conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the lender are the client. The appropriate lender requirements have to be complied with by the bank conveyancing panel who has to balance acting for you and the bank