Our son is about to exchange on a house that has just been built in Broad Haven with a mortgage from . His conveyancer has said that there is a delay in completing the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?

The document is intended to provide information to the main parties engaged in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the conveyancing panel as a standard part of the process, and to the surveyor when requested. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

Is it necessary to pay for insurance to protect me from financial exposure to chancel repairs when purchasing a house in Broad Haven?

Unless a previous purchase of the house completed post 12 October 2013 you may take it that solicitors carrying out conveyancing in Broad Haven to continue to suggest a chancel search and or chancel repair liability insurance.

Due to the advice of my in-laws I had a survey completed on a property in Broad Haven ahead of retaining solicitors. I have been told that there is a flying freehold element to the property. Our surveyor has said that some banks tend refuse to grant a loan on a flying freehold house.

It varies from the lender to lender. Bank of Scotland has different instructions for example to Birmingham Midshires. If you call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Broad Haven. Conveyancing will be smoother if you use a solicitor in Broad Haven especially if they are accustomed to such properties in Broad Haven.

As co-executor for the estate of my uncle I am disposing of a property in Newport but I am based in Broad Haven. My solicitor (who is 260 miles awayhas requested that I sign a statutory declaration before completion. Could you suggest a conveyancing solicitor in Broad Haven to attest this legal document for me?

strictly speaking you are unlikely to need to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will be fine regardless of whether they are based in Broad Haven

I am in the process of buying my first home in Broad Haven. Conveyancing lawyer already chosen. The financial consultant pointed out that a survey is not needed as the property was only built 22 years ago.

The bare minimum you need a Home Buyer's Report. As the residence was built over a decade ago the property will not benefit from a warranty, so you would be well advised not to take a risk. Where a property of this age shows no signs of problems a Home Buyer's report could suffice. They will highlight any apparent issues and recommend additional investigation where relevant. Where there are any indications of problems seek a full Building Survey from the beginning.