I am purchasing a property without a mortgage in Bilborough. I have lived for the previous twelve years in Bilborough. Conveyancing searches are expensive. Given that I have knowledge of the area and road intimately should I not bother getting the solicitor to do all the conveyancing searches?

In the absence of a home loan, then all but one or two of the Bilborough conveyancing searches are non-obligatory. Your lawyer will 'advise', no-doubt strongly, that you should have searches carried out, but he is duty bound to do this. One thing to consider; if you are going to dispose of the house in the future, it could be of relevance to your future buyer what the searches determine. On occasion properties with no practical issues can still reveal negative search results. A competent conveyancing solicitor in Bilborough will be able to give you some practical advice concerning this.

Can you explain why leasehold purchase conveyancing in Bilborough is more expensive?

The conveyancing charges for a leasehold premises in Bilborough is frequently more expensive than on a freehold transaction. This is due to the additional time required in liaising with the landlord and management company to obtain evidence concerning whether the rent and service fee have been cleared and whether there are any significant expenditure in the near future on repairs or maintenance of the building.

I'm buying a new build house in Bilborough benefiting from help to buy. The developers refused to budge the price so I negotiated £7000 of fixtures and fittings instead. The estate agent advised me not reveal to my conveyancer about the extras as it will put at risk my loan with the lender. Should I keep quiet?.

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 opted to have a survey completed on a house in Bilborough prior to appointing lawyers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some lenders may refuse to issue a loan on such a home.

It depends who your proposed lender is. HSBC has different instructions for example to Nationwide. If you e-mail us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Bilborough. Conveyancing may be slightly more expensive based on your lender's requirements.

My husband and I are novice buyers - agreed a price, yet the selling agent informed us that the owners will only proceed if we use their chosen lawyers as they need an ‘expedited deal’. We would rather use a local solicitor used to conveyancing in Bilborough

It is improbable the owners are driving this. If they desire ‘a quick sale', alienating a genuine purchaser is likely to cause more damage than good. Speak to the owners direct and make the point that (a)you are motivated purchasers (b)you are excited to move forward, with finances arranged © you are chain free (d) you wish to move quickly (e)however you intend to appoint your preferred Bilborough conveyancing solicitors - not the ones that will give their negotiator at the agency a kickback or hit his conveyancing thresholds set by HQ.