It is not clear whether my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Market Deeping bank branch on numerous occasions and was told it does not affect the mortgage offer and they will lend. My Market Deeping conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they refuse to lend based on their specific requirements. I have no idea who is right.

As long as the lawyer is on the mortgage company panel, she or he must follow the CML Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.

I recently had an offer agreed on an apartment in Market Deeping. My financial adviser recommended their conveyancers. I paid an on account payment of £200. A few days later, the property lawyer contacted me to say that they were not on the Barclays conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Barclays panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

I am selling my flat. I had a double glazing fitted in June 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Nationwide are being a right pain. The Market Deeping solicitor who is on the Nationwide conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Nationwide are requiring a building regulation certificate. Why do Nationwide have a conveyancing panel if they don't accept advice from them?

It is probably the case that Nationwide have referred the matter to their valuer. The reason why Nationwide may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

I'm buying a new build house in Market Deeping benefiting from help to buy. The builders would not reduce the price so I negotiated five thousand pounds worth of extras instead. The property agent suggested that I not disclose to my lawyer about this side-deal as it could impact 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 have been on the look out for a ground for flat up to £245,000 and found one close by in Market Deeping I like with amenity areas and railway links nearby, the downside is that it's only got 49 years on the lease. I can't really find anything else in Market Deeping suitable, so just wondered if I would be making a grave error purchasing a lease with such few years left?

Should you need a home loan the shortness of the lease will be an issue. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the existing proprietor has owned the property for a minimum of 2 years you could ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease with a zero ground rent applied. You should consult your conveyancing lawyer concerning this matter.

I'm remortgaging my primary house to a BTL loan with Accord Mortgages Ltd and intend to use the remaining equity as a deposit on a second house. The location we are looking at is Market Deeping. Will your solicitors be able to act for the two banks and tie in the transactions?

Make use of our search tool on this site to check that the conveyancers are approved by both banks. Having checked that they are the solicitor will be able to connect the two deals but you should talk with you conveyancer and make clear your expectations and requirements.

We are four weeks into a leasehold purchase having been recommend to a firm by the selling agent to do our conveyancing in Market Deeping. I am not happy. Could you you assist me in finding new conveyancers?

A lawyer would have to be really poor in order to consider replacing them. Has your loan offer been sent? In the event that it has you will need to make them aware of the new contact details and have the offer are re-sent. The solicitor ideally should be on the mortgage company panel to avoid added fees and complications. So that should be your starting point. Our search tool can help you find a lender approved solicitor for your conveyancing in Market Deeping