I am buying a new build house in Cimla with the aid of help to buy. The sellers refused to reduce the amount so I negotiated £7000 of additionals instead. The sale representative told me not to tell my solicitor about this extras as it may impact my loan with HSBC Bank. 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.

Yesterday I discovered that there is a flying freehold issue on a property I put an offer in two weeks back in what was supposed to be a quick, chain free conveyancing. Cimla is where the house is located. Is there any advice you can impart?

Flying freeholds in Cimla are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Cimla you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cimla 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 premises.

In my capacity as executor for the estate of my grandmother I am selling a house in Monmouth but I am based in Cimla. My lawyer (who is 235 kilometers awayneeds me to sign a stat dec ahead of completion. Could you suggest a conveyancing practitioner in Cimla to attest this legal document for me?

Technically speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or solicitor will suffice regardless of whether they are Cimla based

I am a negotiator for a long established estate agency in Cimla where we have witnessed a few flat sales jeopardised due to leases having less than 80 years remaining. I have received conflicting advice from local Cimla conveyancing firms. Could you clarify whether the seller of a flat can initiate the lease extension process for the buyer?

As long as the seller has owned the lease for at least 2 years it is possible, to serve a Section 42 notice to commence the lease extension process and assign the benefit of the notice to the purchaser. This means that the buyer need not have to wait 2 years for a lease extension. Both sets of lawyers will agree to form of assignment. The assignment has to be done prior to, or simultaneously with completion of the sale.

Alternatively, it may be possible to extend the lease informally by agreement with the landlord either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the purchaser.

I bought a ground floor flat in Cimla, conveyancing having been completed June 2012. Can you give me give me an indication of the likely cost of a lease extension? Equivalent flats in Cimla with over 90 years remaining are worth £195,000. The average or mid-range amount of ground rent is £45 levied per year. The lease finishes on 21st October 2090

With only 64 years unexpired the likely cost is going to range between £14,300 and £16,400 as well as professional fees.

The figure above a general guide to costs for renewing a lease, but we are not able to advice on the actual costs without more detailed investigations. Do not use the figures in a Notice of Claim or as an informal offer. There are no doubt other issues that need to be considered and clearly you want to be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information before getting professional advice.

How much experience do your Cimla conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?

Cimla conveyancing lawyers help thousands of buyers move home every year and supported lots of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Cimla conveyancers have worked on recent similar cases.