My financial adviser has requested my Dover solicitor’s panel member for the HSBC conveyancing panel. What is the best way to obtain this. I have contacted my local Dover branch but they have not responded to me.

Have you tried speaking to your Dover about this?. They should have a central record lender panel numbers.

A relative recommended that if I am purchasing in Dover I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

This is a search is sometimes included in the estimate for your Dover conveyancing searches. It is a large document of about 40 pages, listing and setting out significant information about Dover around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Dover Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Local Education with maps and statistics, Local Amenities and other useful data about Dover.

I am buying a new build house in Dover with a loan from . The builders refused to reduce the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep told me not reveal to my conveyancer about the side-deal as it will 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.

I decided to have a survey completed on a property in Dover in advance of retaining lawyers. I have been told that there is a flying freehold aspect to the property. My surveyor has said that some mortgage companies tend refuse to grant a mortgage on this type of premises.

It varies from the lender to lender. HSBC has different instructions for example to Nationwide. Should you wish to telephone us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Dover. Conveyancing will be smoother if you use a solicitor in Dover especially if they regularly deal with such properties in Dover.

I inherited a 2 bed flat in Dover, conveyancing having been completed in 1995. Can you give me give me an indication of the likely cost of a lease extension? Equivalent properties in Dover with over 90 years remaining are worth £165,000. The ground rent is £45 invoiced every year. The lease finishes on 21st October 50

With 50 years left to run we estimate the price of your lease extension to span between £36,100 and £41,800 plus legals.

The suggested premium range that we have given is a general guide to costs for extending a lease, but we are not able to advice on the actual costs in the absence of detailed due diligence. Do not use the figures in a Notice of Claim or as an informal offer. There are no doubt additional issues that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. You should not take any other action placing reliance on this information before getting professional advice.