The Seaton and Hartley conveyancing firm handling our Seaton and Hartley conveyancing has identified an inconsistency between the information in the valuation report and what is revealed within the legal papers for the property. My lawyer says that he is duty bound to ensure that the lender is with this discrepancy and is still content to lend. Is my solicitor’s approach legitimate?

Your must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

Me and my brother have a 4 bedroom Georgian property in Seaton and Hartley. Conveyancing practitioner acted for me and . I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold with the matching address. I thought I was buying a freehold how can I check?

You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Seaton and Hartley and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with the conveyancing solicitor who conducted the purchase.

I am purchasing a new build house in Seaton and Hartley with a loan from . The builders would not budge the price so I negotiated five thousand pounds worth of extras instead. The sale representative told me not inform my solicitor about this extras as it would jeopardize my mortgage with the lender. Is this normal?.

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.

Yesterday I discovered that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a quick, no chain conveyancing. Seaton and Hartley is the location of the property. Is there any advice you can give?

Flying freeholds in Seaton and Hartley are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Seaton and Hartley you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Seaton and Hartley may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

I want to rent out my leasehold apartment in Seaton and Hartley. Conveyancing solicitor who did the purchase is retired - so can't ask her. Is permission from the freeholder required?

A small minority of properties in Seaton and Hartley 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 dictates 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 permission.

I own a 2 bed flat in Seaton and Hartley, conveyancing having been completed 1995. Can you let me have an estimated range of the fair premium for a lease extension? Corresponding flats in Seaton and Hartley with a long lease are worth £165,000. The ground rent is £45 invoiced annually. The lease ceases on 21st October 50

You have 50 years unexpired we estimate the premium for your lease extension to range between £36,100 and £41,800 as well as legals.

The suggested premium range that we have given is a general guide to costs for extending a lease, but we are not able to supply a more accurate figure without more detailed investigations. Do not use the figures in a Notice of Claim or as an informal offer. There may be other concerns that need to be considered and clearly you should be as accurate as possible in your negotiations. Neither should you take any other action based on this information before seeking the advice of a professional.