I'm buying my first flat in Castelnau with a mortgage from . The developers refused to budge the amount so I negotiated £7000 of extras instead. The estate agent suggested that I not inform my conveyancer about this deal as it will impact my mortgage with the lender. Is this normal?.

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.

I am looking into buying my first house which is in Castelnau and I am already nervous. I couldn't find anything specific about Castelnau. Conveyancing will be needed in due course but do you know about the Castelnau area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Castelnau. In the meantime here are some basic statistics that we found

I need to appoint a conveyancing solicitor for freehold conveyancing in Castelnau. I happened to discover a site which appears to be the ideal offering If there is a chance to get all formalities done via phone that would be ideal. Should I 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?

Looking forward to exchange soon on a leasehold property in Castelnau. Conveyancing lawyers have said that they will have a report out to me next week. What should I be looking out for?

The report on title for your leasehold conveyancing in Castelnau should include some of the following:

Whether your lease provides for a sinking fund? Does the lease prevent you from subletting the property, or having a home office for business The landlord’s rights to access the premises. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided. You should have a good understanding of the insurance provisions What the implications are if you have breached the provisions of the lease?

Leasehold Conveyancing in Castelnau - Sample of Questions you should consider before buying

Best to be warned whether redecorating or some other significant cost is anticipated that will be shared by the leaseholders and will materially impact the level of the service charges or necessitate a specific invoice. It would be prudent to find out as much as you can concerning the managing agents as they will impact your use and enjoyment of the property. Being a leasehold owner you will be in the clutches of the managing agents from a financial perspective and when it comes to daily issues such as the cleanliness of the communal areas. Enquire of prospective neighbours what they think of their management. Finally, be sure you understand the dates that you are obliged pay the service charge to the managing agents and precisely what it includes.

When it comes to my conveyancing in Castelnau should I be paying VAT on the following: (1) Land reg fee on purchase (2) Pre - completion search fee (3) SDLT E submission on purchase (4) Bank TT fee

(1) Land reg fee on purchase - No (2) Pre - completion search fees -No, (such conveyancing searches are HMLR ones and means £4 and possibly £2 bankruptcy per name on your mortgage) (3) SDLT E submission on your purchase - There is no VAT on Stamp Duty. However if the firm is charging a stamp duty e-submission fee as part of their services - some Castelnau conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the 's time in submitting the funds this way.