The Rochester conveyancing firm handling our Rochester conveyancing has spotted an inconsistency when comparing the assumptions in the valuation report and what is revealed within the legal papers for the property. My lawyer says that he is duty bound to check that the lender is happy with this discrepancy and is content to go ahead. Is my conveyancer’s course or action appropriate?

Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.

What will a local search tell me regarding the property we're buying in Rochester?

Rochester conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search company for instance Searchflow The local search is essential in every Rochester conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your property. The search should reveal data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic headings.

I am purchasing a new build house in Rochester with a loan from Godiva Mortgages Ltd. The builders refused to move on the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not disclose to my solicitor about this deal as it may adversely affect my loan with the lender. 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.

Yesterday I discovered that there is a flying freehold element on a property I put an offer in last month in what was supposed to be a straight forward, no chain conveyancing. Rochester is the location of the property. What do you suggest?

Flying freeholds in Rochester are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Rochester you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Rochester may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

Am I right to be suspicious that 3rd parties that I am dealing with are suggesting an internet conveyancing firm as opposed to a High Street Rochester conveyancing company?

As with lots of service providers, often referrals from family and friends can be extremely useful or valuable. Nevertheless there are lots of players in a conveyancing transaction; estate agents, mortgage brokers and mortgage companies may suggest lawyers to instruct. On occasion the solicitors might be known to one of the organisations as one of the best in their field, but sometimes there might be a financial incentive behind the endorsement. You are free to select your own conveyancer. However, bear in mind that the majority of lenders have an approved list of law firms you are obliged to use for the lender aspect of your house move.