I am buying a new build house in Tower Hill with a loan from Virgin Money. The builders would not budge the amount so I negotiated five thousand pounds worth of extras instead. The house builders rep told me not to tell my lawyer about this extras as it will impact my loan with the lender. 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.

Yesterday I discovered that there is a flying freehold element on a house I put an offer in last month in what should have been a quick, no chain conveyancing. Tower Hill is the location of the property. Can you offer any advice?

Flying freeholds in Tower Hill are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Tower Hill you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Tower Hill may ascertain 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 property.

I need to appoint a conveyancing solicitor for leasehold conveyancing in Tower Hill. I happened to stumble across a web site which looks to be the ideal solution If there is a chance to get all this stuff done via phone that would be ideal. Do I need to be wary? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

I have recently realised that I have 68 years left on my flat in Tower Hill. I am keen to get lease extension but my freeholder is missing. What are my options?

On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will enable the lease to be lengthened by the magistrate. However, you will be required to demonstrate that you or your lawyers have done all that could be expected to locate the freeholder. In some cases an enquiry agent may be useful to carry out a search and prepare a report which can be accepted by the court as proof that the freeholder can not be located. It is advisable to get professional help from a conveyancer in relation to investigating the landlord’s absence and the vesting order request to the County Court covering Tower Hill.

Having spent years of correspondence we simply can't agree with our landlord on how much the lease extension should cost for our flat in Tower Hill. Can we issue an application to the Residential Property Tribunal Service?

Most certainly. We are happy to put you in touch with a Tower Hill conveyancing firm who can help.

An example of a Freehold Enfranchisement case for a Tower Hill premises is 1-41 Royal Tower Lodge 40 Cartwright Street in April 2013. the tribunal adding the agreed value of capitalised ground rents and the reversion the price to be paid for the freehold was £1,187,000 This case related to 41 flats. The number of years remaining on the existing lease(s) was 107 years.

Are there any distinct advantages to selecting a high street solicitor in Tower Hill

Many buyers and sellers in Tower Hill opt for a nearby high street solicitor so that they can attend the firm’s offices if they have concerns, and to collect paperwork without using the Royal Mail.

Some would allege that there is a slight edge in using a conveyancing practitioner local to the property you are hoping to purchase, due to the familiarity of the locality and possible local issues - nevertheless this is moot. Many conveyancers undertaking their communications over the web and may be based anywhere.