I am obtaining a mortgage offer from Halifax. I would like to instruct a Licensed Conveyancer in Stoke Newington. Does the Halifax Solicitor panel allow for conveyancers regulated by the CLC?

The Halifax approved solicitor list is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.

We note that you have a post code search directory identifying law firms on the Skipton conveyancing panel. Do companies pay you a commission if I appoint them for our conveyancing in Stoke Newington?

We are a listing service only for law firms wishing to communicate if they are on the Skipton conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Stoke Newington.

Do the Building Society Association intend to launch a online directory to to identify practices on the Darlington Building Society conveyancing panel for instance in Stoke Newington?

We are not aware of any intention on the part of the BSA to develop such a tool.

I am buying my first flat in Stoke Newington with a loan from Lloyds TSB Bank. The builders would not move on the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative told me not to tell my conveyancer about the extras as it could impact my mortgage with Lloyds TSB 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 am hoping to complete next month on a leasehold property in Stoke Newington. Conveyancing solicitors inform me that they report fully next week. What should I be looking out for?

Your report on title for your leasehold conveyancing in Stoke Newington should include some of the following:

Does the lease require carpeting throughout thus preventing wood flooring? Ground rent - what is due and when is collected, and be on notice if this is subject to change Does the lease prevent you from letting out the property, or having a home office for business Where does the liability rest for maintaining the window frames specifics of the parties to the lease, for instance these could be the (you), superior lessor, landlord

We have reached the end of our tether in trying to purchase the freehold in Stoke Newington. Can this matter be resolved via the Leasehold Valuation Tribunal?

in cases where there is a absentee freeholder or if there is dispute about what the lease extension should cost, under the relevant legislation you can apply to the First-tier Tribunal (Property Chamber) to judgment on the premium.

An example of a Lease Extension decision for a Stoke Newington property is Lower Flat 16A Beatty Road in September 2012. The premium payable was £13,577. The terms of the lease has been agreed between the Applicants and the First Respondent and the Tribunal did not seek to disturb that agreement. This case related to 1 flat.