I'm buying my first flat in Pagham with the aid of help to buy. The sellers refused to budge the price so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not disclose to my solicitor about the side-deal as it could impact my mortgage with the bank. Should I keep quiet?.

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 opted to have a survey done on a property in Pagham ahead of instructing solicitors. I have been advised that there is a flying freehold overhang to the property. The surveyor advised that some mortgage companies tend not issue a mortgage on this type of premises.

It varies from the lender to lender. Lloyds has different instructions for example to Birmingham Midshires. If you contact us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Pagham. Conveyancing may be slightly more expensive based on your lender's requirements.

How do I search for a Pagham law firm on the The Royal Bank of Scotland conveyancing panel? I have a car and am willing to travel upto 20miles to meet the solicitor.

You can use the facility on this page. Please select a mortgage company and your location and you will see a number of Pagham conveyancing lawyers located nearest you. We have listed some Pagham conveyancing firms at the bottom of this page and you can contact them to verify whether they are on the The Royal Bank of Scotland member panel

I need to retain a conveyancing solicitor for leasehold conveyancing in Pagham. I've chance upon a web site which seems to have the perfect answer If it is possible to get all this stuff done via phone that would be ideal. Do I need to be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

What can I do where I am dissatisfied with the conveyancer who did my conveyancing in Pagham?

We live in an imperfect world, and is is a fact of life that every so often things do go wrong. However there is recourse where you were unhappy with your conveyancing in Pagham. This varies from trying to resolve matters directly with them, through to reporting a property lawyer to their regulator. If things still aren’t sorted out you may consider getting in touch with the Legal Ombudsman.