I'm purchasing a new build house in Canvey Island with the aid of help to buy. The builders would not reduce the price so I negotiated £7000 of additionals instead. The estate agent told me not to tell my conveyancer about the side-deal as it may adversely affect 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.

Yesterday I discovered that there is a flying freehold issue on a property I put an offer in a fortnight ago in what should have been a simple, no chain conveyancing. Canvey Island is where the house is located. Can you offer any guidance?

Flying freeholds in Canvey Island are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Canvey Island you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Canvey Island 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 residence.

I'm converting the mortgage on my primary home to a buy to let mortgage with Clydesdale and I will use the ballance of the raised equity towards a second property. The neighborhood we are talking about is Canvey Island. Will your conveyancers be able to act for the two lenders and tie in the conveyances?

Make use of our search tool on this page to check that the lawyers are on the appropriate lender panels. On the basis that they are the solicitor will be able to connect the two deals but you should have a chat with you lawyer and specify your desired outcome and requirements.

I need to instruct a conveyancing solicitor for freehold conveyancing in Canvey Island. I have land on a site which seems to have the perfect offering If there is a chance to get all this stuff done via web that would be ideal. Do I need to be concerned? What are the potential pitfalls?

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?

At last I have had an offer on an apartment in Canvey Island agreed to, the vendor does nevertheless have a connected purchase. The owners have put an offer on somewhere, but it’s not yet agreed to, and has viewings of other apartments booked. I have selected a local conveyancing solicitor in Canvey Island. What do I do now? At what stage do I apply for the mortgage with Leeds Building Society?

It is standard to have anxieties where there is a chain given your reluctance to be too out of pocket too early (mortgage application is in the region of one thousand pounds, then survey, Canvey Island conveyancing search costs, etc). First, you should ensure that your conveyancer is on the Leeds Building Society approved list. As to the subsequent steps this very much dictated by the circumstances of your transaction, desire for this property and on the state of the market. During a hot market some buyers would apply for the mortgage with Leeds Building Society and arrange for the survey and only if it was satisfactory would they ask their property lawyer to move forward with the conveyancing in Canvey Island.