I am buying my first flat in Hayle benefiting from help to buy. The developers refused to reduce the amount so I negotiated £7000 of additionals instead. The sale representative advised me not disclose to my conveyancer about the deal as it could adversely affect my mortgage with . Is this normal?.

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 was recommended by a number of estate agents in Hayle to find a conveyancer using your seach tool. What’s the financial advantage for Estate Agents to offer your services ahead of alternative conveyancing organisations?

We refuse to make any referral fee for directing people our way. We thought it would be too underhand to pay a commission as home movers will think, ‘How come the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.

As co-executor for the will of my aunt I am selling a house in Swansea but reside in Hayle. My solicitor (who is 300 miles awayrequires that I execute a stat dec ahead of the transaction finalising. Can you recommend a conveyancing practitioner in Hayle to witness this legal document for me?

Technically speaking you are not likely to be required to have the documents witnessed by a conveyancing solicitor. Ordinarily any notary public or solicitor will be fine regardless of whether they are Hayle based

I acquired a studio flat in Hayle, conveyancing having been completed 1995. How much will my lease extension cost? Equivalent properties in Hayle with over 90 years remaining are worth £165,000. The average or mid-range amount of ground rent is £45 yearly. The lease terminates on 21st October 50

With just 50 years remaining on your lease we estimate the premium for your lease extension to span between £36,100 and £41,800 as well as costs.

The figure that we have given is a general guide to costs for extending a lease, but we cannot give you the actual costs without more comprehensive investigations. You should not use the figures in tribunal or court proceedings. There may be other concerns that need to be taken into account and you obviously should be as accurate as possible in your negotiations. Neither should you take any other action based on this information without first getting professional advice.

Do online conveyancing companies do everything a high street Hayle solicitor does or do I still need to employ a solicitor for the final stages for my conveyancing in Hayle?

If you use an online conveyancer they will cover all the work your Hayle conveyancer will cover.