This question may be naive but I am new to the process as FTB of a ground floor flat in Hucknall.Do I collect the keys to the premises on the completion date from my solicitor? If this is the case, I will find a local conveyancing solicitor in Hucknall?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the completion advance to the owner’s conveyancers, and once they have received this, you will be invited to collect the keys from the Estate Agents and start moving into the property. This tends to happen between 1 and 3pm.

Despite weeks of looking the Title Certificate and documents to my property are lost. The conveyancers who dealt with the conveyancing in Hucknall years ago have long since closed.Will I be able to sell the house?

You no longer need to have the physical deeds to evidence that you are the registered proprietor of land or property, as the Land Registry hold details of all registered land or property electronically.

I'm purchasing my first flat in Hucknall with the aid of help to buy. The builders would not budge the amount so I negotiated 6k of fixtures and fittings instead. The sale representative told me not inform my lawyer about this extras as it may put at risk my mortgage with the lender. Is this normal?.

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.