My mortgage broker has asked me for my Dartford lawyer’ panel reference for the Nat West conveyancing panel. What is the best way to discover this. I have tried my local Dartford office but they cant find it on their system.

You are best placed to get this information from your Dartford . Most Dartford law practices will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each mortgage company.

My partner and I are only a couple days away from an exchange on a house in Dartford and my mum and dad have sent the exchange deposit to my . I am now told that as the deposit has been received from someone other than me my needs to disclose this to my lender. I am advised that, in also acting for the lender he must advise them that the balance of the purchase price is not just from me. I disclosed to the mortgage company regarding my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?

Your is legally required to check with the bank to make sure that they understand that the balance of the purchase price is not from your own funds. The solicitor can only reveal this to your lender if you permit them to, failing which, your lawyer must cease to continue acting.

I am buying my first flat in Dartford benefiting from help to buy. The sellers would not budge the amount so I negotiated five thousand pounds worth of additionals instead. The property agent told me not to tell my solicitor about this side-deal as it will put at risk my loan with the bank. Do I keep my lawyer in the dark?.

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 am looking for a leasehold apartment up to £305k and identified one round the corner in Dartford I like with a park and station in the vicinity, however it's only got 49 years on the lease. There is not much else in Dartford for this price, so just wondered if I would be making a grave error buying a lease with such few years left?

Should you need a home loan the remaining unexpired lease term may be an issue. Discount the offer by the anticipated lease extension will cost if it has not already been discounted. If the existing owner has owned the property for at least 2 years you could request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer concerning this matter.

What tools are available to identify a Dartford law firm on the conveyancing panel? I have a car and am prepared to travel upto 10kilometers to meet the conveyancer.

You can use the search on this website. Please select a bank and your location and you will see a number of Dartford conveyancing lawyers based on proximity. We have detailed some Dartford conveyancing firms towards the end of this page and you can call them to see if they are on the member panel