My financial adviser says he needs my Mid Wales solicitor’s panel member for the HSBC conveyancing panel. Can you suggest how I find this out. I have called my local Mid Wales office but they have not responded to me.

The sensible thing to do is ask for this information from your Mid Wales lawyer . They should have a central record lender panel numbers.

Do the Building Society Association intend to launch a online directory to list firms on the Norwich and Peterborough Building Society conveyancing panel for example in Mid Wales?

We would not expect to be advised of any intention on the part of the BSA to develop such a register.

My wife and I own a renovated Georgian property in Mid Wales. Conveyancing practitioner acted for me and Barnsley Building Society. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold with the matching address. If a house is not a freehold shouldn't I have been informed?

You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Mid Wales and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the situation with the conveyancing solicitor who conducted the conveyancing.

I am buying my first flat in Mid Wales with the aid of help to buy. The sellers would not move on the amount so I negotiated £7000 of extras instead. The estate agent advised me not inform my lawyer about this deal as it could put at risk my mortgage with Barclays Direct. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the developer 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 done on a property in Mid Wales prior to appointing lawyers. I have been informed that there is a flying freehold element to the house. The surveyor advised that some banks may refuse to give a mortgage on this type of house.

It depends who your proposed lender is. Lloyds has different requirements from Nationwide. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Mid Wales. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Mid Wales to see if the conveyancing costs will increase in light of this.