I'm purchasing a new build house in Barnoldswick with a mortgage from . The builders refused to move on the amount so I negotiated five thousand pounds worth of extras instead. The sale representative told me not disclose to my lawyer about the side-deal as it will adversely affect 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.

Is there anything unique about your site and alternative internet conveyancing solicitors for conveyancing in Barnoldswick?

At this site obtain an accurate quote via a Solicitor or Licensed Conveyancer that has a full understanding of the nuances for your conveyancing in Barnoldswick. Unlike many estate agents and brokerage sites we are not in the business of charging firms a fee if you appoint them for your conveyancing in Barnoldswick

In my capacity as executor for the will of my father I am selling a property in Newport but I am based in Barnoldswick. My lawyer (who is 250 miles from mehas requested that I execute a stat dec prior to the transaction finalising. Can you recommend a conveyancing lawyer in Barnoldswick to witness this legal document for me?

strictly speaking you are not likely to be required to have the documents attested by a conveyancing solicitor. Normally any notary public or qualified solicitor will do regardless of whether they are Barnoldswick based

I am on look out for some leasehold conveyancing in Barnoldswick. Before I set the wheels in motion I require certainty as to the number of years remaining on the lease.

Assuming the lease is registered - and 99.9% are in Barnoldswick - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

I invested in buying a split level flat in Barnoldswick, conveyancing was carried out 3 years ago. Can you give me give me an indication of the likely cost of a lease extension? Similar flats in Barnoldswick with over 90 years remaining are worth £165,000. The ground rent is £45 invoiced every year. The lease expires on 21st October 50

With 50 years unexpired we estimate the premium for your lease extension to span between £36,100 and £41,800 plus 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 without more comprehensive investigations. Do not use this information in a Notice of Claim or as an informal offer. There are no doubt other issues that need to be considered and you obviously want to be as accurate as possible in your negotiations. Please do not move forward placing reliance on this information without first getting professional advice.

I have miscalculated my finances and am a couple of thousand pounds short a 10% deposit on my flat purchase in Barnoldswick , but I still want to go ahead. What can I do?

One option is to try and accept a lower deposit. Most sellers will agree to a lesser 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 moment