Please help - my lawyer advises that defective lease insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Newhaven?

The appropriate level of defective lease indemnity insurance should be dictated by who your lender. It would differ for example between Santander and Bank of Scotland. Conveyancing solicitors as opposed to members of the public take out such insurances.

I had a mortgage agreed in principle with TSB. Newhaven conveyancing practitioners have been instructed. How long does it take for TSB to forward the offer to the conveyancer?

There is no definitive answer here. Have TSB conducted the valuation? Have you advised TSB as to your lawyers' details and checked that your lawyers are on the TSB conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

I am expecting a DIP from Kent Reliance this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Kent Reliance recommend any Newhaven solicitors on the Kent Reliance conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Newhaven solicitors independently although you'll need to choose one on the Kent Reliance conveyancing panel. The solicitor represents both you and Kent Reliance through the process.

I have todayfound out that Wolstenholmes have been shut down. They conducted my conveyancing in Newhaven for a purchase of a leasehold apartment 18 months ago. How can I be sure that my home is in my name in the name of the previous owner?

The quickest method to see if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Newhaven conveyancing specialists.

I am buying a new build house in Newhaven with the aid of help to buy. The sellers would not budge the price so I negotiated five thousand pounds worth of additionals instead. The property agent advised me not disclose to my solicitor about the deal as it may put at risk 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 opted to have a survey completed on a house in Newhaven before retaining conveyancers. I have been informed that there is a flying freehold overhang to the property. Our surveyor advised that some lenders may not issue a mortgage on such a premises.

It varies from the lender to lender. Santander has different instructions from Nationwide. Should you wish to telephone us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Newhaven. Conveyancing will be smoother if you use a solicitor in Newhaven especially if they are accustomed to such properties in Newhaven.

I am one month into a freehold purchase having been directed to solicitors by the selling agent to execute conveyancing in Newhaven. We are not happy. Could you help me find new lawyers?

A lawyer would have to be very poor in order to consider changing them. Has the mortgage been generated? In the event that it has you need to inform them of the new lawyer and have the loan are re-issued. Your solicitor ideally needs to be on the banks approved list to avoid escalating charges and complications. So that should be your starting point. Our search tool can help you find a bank approved conveyancer for your home move in Newhaven