I am buying a brand new flat in South Ruislip and my conveyancer is telling me that she has to the mortgage company to reveal incentives from the builder. I am nearing the developer’s deadline to exchange contracts and I have no desire to prolong deal. Is my lawyer right?

You should not exchange unless you have been advised to do so by your property lawyer. A precondition to being on a lender panel is to comply with the UK Finance Lenders’ Handbook conditions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

Are there restrictive covenants that are commonly identified as part of conveyancing in South Ruislip?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in South Ruislip. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

Yesterday I discovered that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a straight forward, no chain conveyancing. South Ruislip is the location of the property. Can you offer any opinion?

Flying freeholds in South Ruislip are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in South Ruislip you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in South Ruislip may ascertain 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.

I need to appoint a conveyancing solicitor for my conveyancing in South Ruislip. I have stumble upon a site which seems to have the perfect answer If it is possible to get all this stuff completed via email that would be preferable. Should I be concerned? What are the potential pitfalls?

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?

Do I stop my mortgage payments with TSB once a completion date for my sale in South Ruislip has been agreed?

No, you should continue meeting any mortgage sums to TSB pending the mortgage being redeemed from the proceeds of sale as part of your South Ruislip conveyancing.