I'm buying a new build house in Kirk Ella with a loan from The Mortgage Works. The developers would not budge the amount so I negotiated 6k of extras instead. The sale representative suggested that I not reveal to my lawyer about the side-deal as it may adversely affect my mortgage with The Mortgage Works. 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.

Due to the input of my in-laws I had a survey completed on a property in Kirk Ella before instructing conveyancers. I have been informed that there is a flying freehold overhang to the house. Our surveyor advised that some mortgage companies may not issue a loan on this type of home.

It varies from the lender to lender. Lloyds has different instructions from Nationwide. If you call us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Kirk Ella. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Kirk Ella to see if the conveyancing will be more expensive.

Hoping to buy a property located in Kirk Ella and I am already nervous. I couldn't find anything specific about Kirk Ella. Conveyancing will be needed in due course but do you know about the Kirk Ella area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Kirk Ella. In the meantime here are some basic statistics that we found

My husband and I are novice buyers - agreed a price, but the estate agent has warned us that the owners will only go ahead if we instruct the agent's chosen lawyers as they want a ‘quick sale’. Our preferred option is to instruct a family conveyancer used to conveyancing in Kirk Ella

It is highly unlikely the owners are driving this. Should the owner desire ‘a quick sale', turning down a motivated buyer is not the way to achieve this. Bypass the agents and go straight to the owners and explain that (a)you are keen to buy (b)you are ready to progress, with finances arranged © you do not need to sell (d) you wish to move quickly (e)but you intend to use your own,trusted Kirk Ella conveyancing lawyers - not the ones that will earn the negotiator at the agency a referral fee or meet his conveyancing thresholds set by senior management.

20 days into purchasing a house in Kirk Ella. Conveyancing lawyer has called to say the title is "Leasehold". Will this likely make a difference on our Halifax valuation?

Kirk Ella conveyancing does not ordinarily involve leasehold houses. The main consideration here is the remaining lease term and the ground rent. If it's 999 years with a nominal rent, it's essentially freehold, so it’s unlikely to affect the saleability significantly.

At the other extreme, if it's, say, 50 years it is bound to have a significant impact on the value, and probably wouldn't be acceptable to the mortgage company. The remaining lease term and ground rent will be set out in the lease to be supplied to your solicitor.