We are buying a brand new duplex in East Barnet and my conveyancer is informing me that she is duty bound to the mortgage company to reveal incentives from the seller. The Estate Agents are hassling me to sign contracts and I don't want to delay matters. is my lawyer playing by the book?

You should not exchange unless you have been advised to do so by your . A precondition to being on a lender panel is to comply with the UK Finance Lenders’ Handbook specifications. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

Can you help - my lawyer advises that chancel insurance is necessary on my purchase. What is the level of cover for East Barnet conveyancing?

The right level of chancel indemnity insurance depends on your lender. It would differ for example between and . Conveyancing solicitors as opposed to members of the public take out such insurances.

I am buying a property in East Barnet. A rare aspect is that the roof has a solar panel. have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that your lender is your lawyer must check the conveyancing requirements outlined in Section two of UK Finance Lenders’ Handbook for . The CML Handbook includes minimum conditions for solar panel roof-space leases, and are required to report to where a lease does not satisfy these specifications. The requirements relate to the installation of panels on properties nationwide and is not isolated to East Barnet.

I have instructed a East Barnet having checked that they are on the conveyancing panel. Does my lawyer arrange the survey of the property?

will need an independent valuation of the property. Your lawyer will not arrange this. Usually will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your East Barnet postcode. As you are getting a mortgage with , you could contact them to see if they have a list of approved surveyors in East Barnet.

I am purchasing my first flat in East Barnet with a mortgage from . The builders refused to budge the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep advised me not to tell my lawyer about the extras as it would jeopardize my loan with the bank. 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.

As co-executor for the estate of my aunt I am selling a residence in Cardiff but I am based in East Barnet. My conveyancer (based 300 miles awayhas requested that I execute a stat dec prior to completion. Could you suggest a conveyancing solicitor in East Barnet who can attest this legal document for me?

strictly speaking you should not need to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or solicitor will be fine regardless of whether they are East Barnet based

What is the difference between surveying and conveyancing in East Barnet?

Conveyancing - in East Barnet or elsewhere - is the process of legally transferring legal title of property from one person to another. It involves the investigation of the title. Whether buying or selling, you should be aware of anything affecting the property such as proposals by government departments, illegal buildings, or outstanding rates. The conveyancer should conduct the appropriate searches and inquiries on the property. Surveying relates to the structure of a property itself. A surveyor will look at a house, flat and any outbuildings you are buying and will help you discover the condition of the building and, if there are problems, give you a powerful reason for negotiating the buying price down or asking the seller to fix the defects before you move in.