I am buying my first flat in Marshfield benefiting from help to buy. The sellers refused to budge the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep advised me not disclose to my lawyer about this side-deal as it may adversely affect my mortgage with the lender. 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.

I decided to have a survey carried out on a house in Marshfield in advance of retaining lawyers. I have been informed that there is a flying freehold aspect to the property. Our surveyor has said that some lenders tend refuse to give a loan on a flying freehold house.

It varies from the lender to lender. HSBC has different instructions for example to Nationwide. If you call us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Marshfield. Conveyancing will be smoother if you use a solicitor in Marshfield especially if they regularly deal with such properties in Marshfield.

I'm refinancing my current property to a buy to let mortgage with Santander and I will use the rest of the raised equity as a down payment on further house. The neighborhood we are looking at is Marshfield. Will your lawyers be able to act for both sets of lenders and link together the two deals?

Do use our search tool on this page to check that the conveyancers are approved by both lenders. Having checked that they are the conveyancer should be able to simultaneously deal with the two deals but you should talk with you conveyancer and specify your desired outcome and requirements.

We're first time buyers - agreed a price, but the agent informed us that the owners will only go ahead if we appoint their preferred lawyers as they need an ‘expedited deal’. We would rather use a local conveyancer used to conveyancing in Marshfield

It is highly unlikely the sellers are driving this. Should the seller require ‘a quick sale', alienating a genuine buyer is likely to cause more damage than good. Speak to the owners direct and explain that (a)you are keen to buy (b)you are ready to go, with mortgage lined up © you are unencumbered (d) you wish to move quickly (e)however you intend to appoint your own,trusted Marshfield conveyancing firm - not the ones that will give the negotiator at the agency a kickback or meet his conveyancing figures demanded by HQ.

We have selected a Marshfield conveyancing solicitor for our home move (novice purchasers) and have spotted in the engagement letter that they are not regulated by the Financial Conduct Authority. Need I be concerned or is that the norm with conveyancing practitioner?

We can't see why they should be. Most conveyancing practitioner don't lend money. You should check that they are regulated by the Solicitors Regulation Authority, who dictate stringent laws regulating funds sitting on client account.