It is a dozen years since I bought my property in Wadhurst. Conveyancing solicitors have now been appointed on the sale but I can't find the deeds. Is this a major issue?

You need not be too concerned. First the deeds may be with your mortgage company or they may stored with the solicitor who handled your purchase. Secondly in most cases the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Wadhurst relates to registered property but in the unlikely event that your property is unregistered it is more tricky but is resolvable.

I have been recommended a conveyancing solicitor in Wadhurst. I need to find out whether they are on the Bank of Ireland conveyancing panel. Can you or the lender confirm if they are on the panel?

You should call your lawyer and enquire if they are on the lender panel. Alternatively please get in touch with Bank of Ireland who may be able to confirm.

We have agreed to purchase a house in Wadhurst. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Coventry BS be concerned?

As you are obtaining a mortgage with Coventry BS your lawyer must check the formal requirements contained in Part 2 of UK Finance Lenders’ Handbook for Coventry BS. The Council of Mortgage Lenders’ Handbook stipulates minimum conditions for solar panel roof-space leases, and conveyancing practitioners are required to report to Coventry BS where a lease fails to satisfy these provisions. The conditions relate to the installation of panels on properties nationwide and is not limited to Wadhurst.

It is unclear whether my lender requires a lease extension. I have called into my local Wadhurst bank branch on various occasions and was told it wasn't an issue and they would lend. My Wadhurst conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they would not lend in accordance with their specific requirements. Who do I believe?

Your solicitor has to follow the CML Handbook section two conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.

I am due to exchange contracts on my apartment. I had a double glazing fitted in December 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Yorkshire BS are being difficult. The Wadhurst solicitor who is on the Yorkshire BS conveyancing panel is saying indemnity insurance will be fine but Yorkshire BS are insisting on a building regulation certificate. Why do Yorkshire BS have a conveyancing panel if they don't accept advice from them?

It is probably the case that Yorkshire BS have referred the matter to their valuer. The reason why Yorkshire BS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

I am purchasing my first flat in Wadhurst with a loan from Halifax. The builders would not budge the price so I negotiated £7000 of additionals instead. The sale representative told me not disclose to my lawyer about the extras as it may jeopardize my loan with the bank. Should I keep quiet?.

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.

Been reading online that Wadhurst solicitors are more costly than licensed conveyancers in Wadhurst to use when purchasing a house. So is it better if I use a conveyancer or a solicitor if I am buying for my home move in Wadhurst.

When it comes to conveyancing in Wadhurst the costs are unlikely to vary dramatically depending on whether the legal expert is a licenced conveyancer or solicitor.