I am buying a new build house in Holmes Chapel with the aid of help to buy. The sellers refused to reduce the price so I negotiated 6k of extras instead. The house builders rep suggested that I not disclose to my conveyancer about the extras as it would put at risk my mortgage with the bank. Should I keep quiet?.

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.

Yesterday I discovered that there is a flying freehold element on a house I have offered on a fortnight ago in what was supposed to be a simple, no chain conveyancing. Holmes Chapel is where the house is located. What do you suggest?

Flying freeholds in Holmes Chapel are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Holmes Chapel you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Holmes Chapel may determine 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 premises.

I need to instruct a conveyancing lawyer in Holmes Chapel for my sale. Is there any facility to see a solicitor's record with the profession’s regulator?

Members of the public can review published Solicitor Regulator Association (SRA) determinations arising from inquisitions from 2008 onwards. Visit Check a solicitor's record. To find details Pre 2008, or to check a firm's history, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, use +44 (0)121 329 6800. The regulator could monitor call for training reasons.

I acquired a garden flat in Holmes Chapel, conveyancing formalities finalised 1995. Can you let me have an estimated range of the fair premium for a lease extension? Comparable properties in Holmes Chapel with a long lease are worth £165,000. The average or mid-range amount of ground rent is £45 invoiced annually. The lease comes to an end on 21st October 50

With only 50 years unexpired we estimate the price of your lease extension to range between £36,100 and £41,800 as well as costs.

The suggested premium range above a general guide to costs for extending a lease, but we cannot give you the actual costs in the absence of detailed due diligence. You should not use the figures in a Notice of Claim or as an informal offer. There are no doubt additional issues 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 placing reliance on this information before getting professional advice.

We are seeking to acquire a repression house in Holmes Chapel and the vendor require completion inside 28 days. Can a meet that timeframe? Would it be better to use a local Holmes Chapel firm or an online firm that professes to complete quickly?

Attend your Holmes Chapel high street. Pop in to a couple of solicitor’s offices and ask to talk to a conveyancing solicitor for a quote. Discuss your requirements and try and obtain assurances on time frames. Choose the one that appears most genuine. Make sure to use a on the panel of approved by your lender.