I'm purchasing my first flat in Ewloe with the aid of help to buy. The builders would not move on the amount so I negotiated five thousand pounds worth of additionals instead. The property agent advised me not to tell my conveyancer about the deal as it could affect my mortgage with the bank. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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 Ewloe ahead of instructing solicitors. I have been told that there is a flying freehold aspect to the property. The surveyor advised that some lenders may not give a mortgage on a flying freehold house.

It depends who your proposed lender is. Bank of Scotland has different requirements for example to Birmingham Midshires. Should you wish to call us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Ewloe. Conveyancing will be smoother if you use a solicitor in Ewloe especially if they are accustomed to such properties in Ewloe.

I'm converting the mortgage on my current home to a buy to let loan with and I will use the ballance of the raised equity as a down payment on further house. The location we are talking about is Ewloe. Will your solicitors be able to act for the two mortgage companies and tie in the conveyances?

Do use our comparison tool on this site to ensure that the solicitors are on the appropriate lender panels. Having checked that they are your lawyer should be able to connect the two deals but you should talk with you lawyer and make clear your expectations and needs.

I am intending to rent out my leasehold flat in Ewloe. Conveyancing solicitor who did the purchase is retired - so can't ask her. Is permission from the freeholder required?

Your lease governs relations between the freeholder and you the flat owner; in particular, it will say if subletting is banned, or permitted but only subject to certain caveats. The rule is that if the lease contains no specific ban or restriction, subletting is allowed. Most leases in Ewloe do not prevent strict prohibition on subletting – such a clause would adversely affect the market value the flat. In most cases there is a basic requirement that the owner notifies the freeholder, possibly sending a copy of the sublease.

I acquired a ground floor flat in Ewloe, conveyancing formalities finalised in 1995. Can you give me give me an indication of the likely cost of a lease extension? Corresponding flats in Ewloe with an extended lease are worth £165,000. The average or mid-range amount of ground rent is £45 yearly. The lease expires on 21st October 50

With only 50 years left to run the likely cost is going to be between £36,100 and £41,800 as well as plus your own and the landlord's "reasonable" professional fees.

The suggested premium range above a general guide to costs for extending a lease, but we are not able to provide the actual costs in the absence of detailed investigations. You should not use the figures in a Notice of Claim or as an informal offer. There may be additional issues that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information without first getting professional advice.

As a leasehold owner I am liable for a maintenance fee for my ground floor flat in Ewloe. Due to redundancy and personal issues I slipped into arrears with remittance. The management company agreed a settlement plan but there remains around £2000 currently due.

I am under pressure to sell and I am worried this will threaten to derail the sale if I have to settle the arrears now. Do I have to settle before - is this practicable?

You should clarify with the handling your Ewloe conveyancing but it may be possible to agree for the arrears to be passed to the purchasers. The contractual price payable would be adjusted to reflect the amount of debt they take on. They would then pay the outstanding monies once they are the owners.