I am considering applying for a mortgage for purchase of a newly converted (under development) in Hebburn with 65 per cent loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for ?

There is nothing to stop you using your solicitor, but will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.

Are there restrictive covenants that are commonly identified during conveyancing in Hebburn?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Hebburn. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I am buying my first flat in Hebburn with a mortgage from . The developers refused to move on the price so I negotiated 6k of fixtures and fittings instead. The estate agent told me not disclose to my lawyer about this extras as it would impact my loan with the lender. 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've recently found out that there is a flying freehold element on a property I put an offer in last month in what was supposed to be a simple, chain free conveyancing. Hebburn is where the house is located. Can you offer any guidance?

Flying freeholds in Hebburn are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Hebburn you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hebburn may ascertain 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 residence.

Can you clarify the aspects of conveyancing undertaken by Hebburn conveyancing solicitors?

Almost all Hebburn conveyancing practices tend to carry out a number of legal advice to home and land owners, vendors, investors, landlords and leaseholders which may include:

Private sale conveyancing in Hebburn or nationwide Home purchase conveyancing in Hebburn and beyond Resolving boundary disputes between neighbours Preparation and advising on leases and tenancy agreements Statutory Declarations Acquisition of council property under the Right to Buy Scheme