My financial adviser has requested my Old Oak Common solicitor’s panel reference for the Santander conveyancing panel. What is the best way to discover this. I have e-mailed my local Old Oak Common office but they don't know it.

Have you tried contacting your Old Oak Common lawyer about this?. Most Old Oak Common law firms will keep a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each lender.

It is a dozen years since I acquired my home in Old Oak Common. Conveyancing solicitors have recently been retained on the sale but I am unable to locate the deeds. Will this jeopardise the sale?

Don’t worry too much. Firstly the deeds may be retained by the mortgage company or they may be in the possession of the conveyancers who handled your purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Most conveyancing in Old Oak Common involves registered property but in the rare situation where your home is not registered it is more problematic but is resolvable.

I'm purchasing my first flat in Old Oak Common with the aid of help to buy. The builders refused to move on the price so I negotiated £7000 of fixtures and fittings instead. The property agent advised me not reveal to my lawyer about the side-deal as it would put at risk my mortgage with the bank. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer 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 am looking for a leasehold apartment up to £235,500 and identified one close by in Old Oak Common I like with a park and transport links in the vicinity, the downside is that it only has 61 remaining years left on the lease. I can't really find anything else in Old Oak Common for this price, so just wondered if I would be making a mistake buying a lease with such few years left?

Should you require a home loan the shortness of the lease will likely be a potential deal breaker. Discount the price by the amount the lease extension will cost if not already taken into account. If the existing owner has owned the premises for at least 2 years you may ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should consult your conveyancing solicitor concerning this.

I dont have enough spare cash to pay a 10% deposit on my apartment purchase in Old Oak Common , but I am keen proceed. Do I have options?

One option is to try and accept a lesser deposit. Many vendors will accept a lower deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.

You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last minute