Our son is about to exchange on a new build apartment in Chulmleigh with a home loan from Principality. His lawyer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. Who needs to receive the form?

The document is intended to provide information to the main parties involved in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Principality conveyancing panel as a standard part of the process, and to the valuer 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 Principality conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

Do the Building Society Association intend to launch a searchable register to list practices on the Melton Mowbray Building Society conveyancing panel for example in Chulmleigh?

We have not been informed any intention on the part of the BSA to promote such a tool.

A relative advised me that where I am purchasing in Chulmleigh I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is occasionally included in the estimate for your Chulmleigh conveyancing searches. It is a large report of about 40 pages, listing and detailing significant information about Chulmleigh around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Chulmleigh Education with maps and statistics, Local Amenities and other useful information regarding Chulmleigh.

I'm buying a new build house in Chulmleigh with a loan from National Westminster Bank. The developers would not reduce the amount so I negotiated five thousand pounds worth of additionals instead. The estate agent suggested that I not disclose to my lawyer about this deal as it may adversely affect my mortgage with the lender. Is this normal?.

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.

My husband and I are novice buyers - agreed a price, yet the property agent advised that the vendor will only go ahead if we appoint their preferred lawyers as they want a ‘quick sale’. We would rather use a family solicitor who is familiar with conveyancing in Chulmleigh

We suspect that the seller is not behind this request. If they want ‘a quick sale', turning down a serious purchaser is not the way to achieve this. Speak to the vendors direct and make the point that (a)you are motivated buyers (b)you are excited to move forward, with mortgage lined up © you are unencumbered (d) you wish to move quickly (e)but you intend to appoint your preferred Chulmleigh conveyancing lawyers - not the ones that will give their estate agent a introducer fee or meet his conveyancing figures demanded by HQ.