My Haddenham lawyer has uncovered a discrepancy when comparing the assumptions in the home valuation survey and what is in the title deeds. My lawyer informs me that he needs to ensure that the bank is happy with this discrepancy and is still content to lend. Is my solicitor’s course or action legitimate?

Your solicitor must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

My bid for a property was accepted at auction in Haddenham. Conveyancing is required. What are my next steps?

Now that you have for in every practical sense signed on the dotted line you should find a conveyancing solicitor as a matter of urgency as you now have a fast approaching a drop dead date to complete the property. Every auction property should have an associated legal pack. This should include most,if not all of the paperwork that your conveyancer will need. In the case of leasehold premises the conveyancing papers should include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation specific to a leasehold property. You should pass this on to the solicitor working for you at the earliest opportunity. You also need to ensure that you have funds organised to complete on the on the contractual date .

We have agreed to purchase a house in Haddenham. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Skipton be concerned?

Given that you are obtaining a mortgage with Skipton your lawyer must comply with the formal requirements outlined in Part 2 of UK Finance Lenders’ Handbook for Skipton. The CML Handbook stipulates minimum specifications for solar panel roof-space leases, and solicitors are required to report to Skipton where a lease fails to satisfy these conditions. The specifications relate to the installation of panels on properties countrywide and is not limited to Haddenham.

We expect to receive a DIP from Yorkshire BS this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Haddenham solicitors on the Yorkshire BS conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Haddenham solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.

I completed on my flat on 4 April and my personal details is not yet on the land registry website. Need I be worried? My conveyancing solicitor in Haddenham expressed confidence that it will be formalised inside ten days. Are properties in Haddenham particularly slow to register?

As far as conveyancing in Haddenham registration is no quicker or slower than anywhere else in the country. Rather than based on location, timescales can adjust subject to the party submitting the application, whether it is in order and whether the Land registry have to notify any interested persons or bodies. As of today approximately three quarters of submission are completed in less than three weeks but some can be subject to extensive hold-ups. Registration takes place after the new owner has moved in to the premises thus an expedited registration is not usually an essential issue yet where it is urgent that the the registration takes place urgently then you or your lawyers must communicate with the Registry to express the reasoning for an expedited registration.

I'm buying my first flat in Haddenham with a mortgage from HSBC Bank. The builders refused to budge the price so I negotiated £7000 of fixtures and fittings instead. The estate agent advised me not inform my conveyancer about this side-deal as it may adversely affect 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've recently found out that there is a flying freehold issue on a property I have offered on two weeks back in what should have been a straight forward, chain free conveyancing. Haddenham is the location of the property. Can you shed any light on this issue?

Flying freeholds in Haddenham are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Haddenham you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Haddenham may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.