I'm buying my first flat in Cranham with a mortgage from Lloyds TSB Bank. The sellers would not reduce the amount so I negotiated 6k of additionals instead. The property agent advised me not to tell my conveyancer about the deal as it may impact my mortgage with the bank. 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'm remortgaging my existing home to a buy to let mortgage with Santander and I will use the rest of the raised equity as a down payment on further property. The location we are talking about is Cranham. Will your lawyers be able to act for the two banks and link together the transactions?

Make use of our search tool on this page to check that the lawyers are on the appropriate lender panels. Assuming that they are your lawyer should be able to connect the two deals but you should have a chat with you conveyancer and specify your expectations and needs.

I have been sourcing a conveyancing practitioner in Cranham for my purchase. Can I check a solicitor's complaints history with the profession’s regulator?

You may read published Solicitor Regulator Association (SRA) decisions stemming from inquisitions started on or after 1 January 2008. Go to Check a solicitor's record. To find information about the period before 1 January 2008, or to check a firm's history, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The regulator may monitor telephone calls for training purposes.

I own a leasehold house in Cranham. Conveyancing and Coventry Building Society mortgage went though with no issue. I have received a letter from someone claiming to own the freehold. Attached was a ground rent demand for rent dating back to 1992. The conveyancing solicitor in Cranham who previously acted has long since retired. Any advice?

First contact HMLR to be sure that this person is indeed the registered owner of the freehold reversion. It is not necessary to instruct a Cranham conveyancing firm to do this as it can be done on-line for less than a fiver. Rest assured that regardless, even if this is the rightful landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.

I am the leaseholder of a ground floor flat in Cranham. In the absence of agreement between myself and the freeholder, can the Leasehold valuation Tribunal make a decision on the amount due for the purchase of the freehold?

in cases where there is a missing freeholder or where there is disagreement about what the lease extension should cost, under the relevant statutes it is possible to make an application to the Leasehold Valuation Tribunal to determine the sum to be paid.

An example of a Lease Extension case for a Cranham property is 37 Lodge Court High Street in November 2013. the decision of the LVT was that the premium to be paid for the new lease was £25,559 This case was in relation to 1 flat. The unexpired residue of the current lease was 57.5 years.

I am purchasing a house mortgage free. I have provided solicitor with 2 distinct proof of photo ID, bank statement, endless utility bills. Now he wants a copy from a probate lawyer stating that the money is in place and that it has come from inheritance and not selling fake watches.

In today’s world you will not be able to complete any Cranham conveyancing transaction without first providing evidence of your identity to your lawyers. This usually takes the form of a either your passport or driving licence and a utility bill. Remember if you are providing your driving licence as evidence of ID it must be both the paper part and photo card part, one is not acceptable without the other. Evidence of your source of funds is required under Money Laundering laws.