After what seems like an age a loan agreement from Santander for the remortgage of my single bedroom flat is coming any day now. Are you able to suggest a cheap conveyancing law firm in Paddock Wood?

You have arrived at the wrong place to search for cut-price fees for conveyancing solicitors in Paddock Wood. Our aim is to provide cost effective conveyancing but we do not advertise as being the cheapest. Resist the temptation to appoint brokers offering the bait of low cost conveyancing in Paddock Wood. At best, in deciding on low cost conveyancing, you will get your money’s worth and at worst you will end up invoiced for additional fees and still not receive the service required.

I am buying a new build house in Paddock Wood with the aid of help to buy. The sellers refused to budge the amount so I negotiated £7000 of extras instead. The house builders rep told me not disclose to my conveyancer about the deal as it could put at risk my loan with the bank. 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.

Due to the guidance of my in-laws I had a survey completed on a property in Paddock Wood prior to appointing conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some lenders will refuse to issue a mortgage on such a property.

It depends who your proposed lender is. Bank of Scotland has different requirements from Nationwide. If you contact us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Paddock Wood. Conveyancing may be slightly more expensive based on your lender's requirements.

My wife and I may need to sub-let our Paddock Wood 1st floor flat temporarily due to taking a sabbatical. We instructed a Paddock Wood conveyancing firm in 2004 but they have closed and we did not have the foresight to seek any guidance as to whether the lease allows us to sublet. How do we find out?

A small minority of properties in Paddock Wood do contain a provision to say that subletting is only permitted with prior consent from the landlord. The landlord is not entitled to unreasonably withhold but, in such cases, they would need to see references. Experience suggests that problems are usually caused by unsatisfactory tenants rather than owner-occupiers and for that reason you can expect the freeholder to take up the references and consider them carefully before granting consent.

I bought a leasehold flat in Paddock Wood, conveyancing formalities finalised July 2008. Can you shed any light on how much the price could be for a 90 year extension to my lease? Corresponding flats in Paddock Wood with over 90 years remaining are worth £186,000. The average or mid-range amount of ground rent is £55 invoiced every year. The lease finishes on 21st October 2076

With only 52 years left to run we estimate the premium for your lease extension to be between £29,500 and £34,000 plus plus your own and the landlord's "reasonable" professional fees.

The suggested premium range above a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of comprehensive investigations. Do not use this information in a Notice of Claim or as an informal offer. There may be other issues that need to be considered and clearly you should be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information before getting professional advice.

I am hoping to put an offer on a small detached house that appears to be perfect, at a great figure which is making it more attractive. I have subsequently been informed that the title is leasehold as opposed to freehold. I would have thought that there are particular concerns purchasing a house with a leasehold title in Paddock Wood. Conveyancing advisers have not yet been appointed. Will my lawyers set out the risks of buying a leasehold house in Paddock Wood ?

The majority of houses in Paddock Wood are freehold and not leasehold. This is one of the situations where having a local conveyancer used to dealing with such properties who can assist with the conveyancing process. We note that you are purchasing in Paddock Wood so you should seriously consider shopping around for a Paddock Wood conveyancing solicitor and be sure that they are used to transacting on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a lessee you will not be entirely free to do whatever you want with the house. The lease comes with conditions such as obtaining the landlord’spermission to carry out changes to the property. It may be necessary to pay a maintenance charge towards the upkeep of the communal areas where the property is part of an estate. Your lawyer will appraise you on the various issues.