I am expecting a mortgage offer from Halifax. My intention is to instruct a Licensed Conveyancer in Laleham. Does the Halifax Conveyancing panel exclude Licensed Conveyancers?

The Halifax conveyancing panel is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

Finally the sale completed on my house in Laleham last March but my buyer keeps e-mailing me to moan that her conveyancer is waiting to hear from mine. What are the post completion sale legalities now that I have sold?

After completion of your house sale your conveyancer is obliged to send the transfer deeds and all additional paperwork to the purchaser's lawyers. If applicable, your solicitor must also send confirmation that the legal charge in favour of the lender has been redeemed to the buyers solicitors. There is unlikely to be post completion formalities unique to conveyancing in Laleham.

My friend advised me that if I am purchasing in Laleham I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

A search of this type is usually quoted for as part of the standard Laleham conveyancing searches. It is not a small document of more than thirty pages, listing and detailing significant information about Laleham around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful information about Laleham.

four months have elapsed following my purchase conveyancing in Laleham concluded. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I'm buying my first flat in Laleham benefiting from help to buy. The sellers would not move on the price so I negotiated five thousand pounds worth of extras instead. The estate agent suggested that I not inform my lawyer 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.