I'm buying a new build house in New Milton with a loan from Skipton Building Society. The developers would not move on the price so I negotiated 6k of fixtures and fittings instead. The sale representative told me not disclose to my lawyer about the deal as it could jeopardize my mortgage 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.

Over the last few months I have been searching for a flat up to £305k and identified one round the corner in New Milton I like with amenity areas and transport links nearby, however it's only got 61 remaining years left on the lease. There is not much else in New Milton for this price, so just wondered if I would be making a mistake buying a short lease?

Should you need a home loan the shortness of the lease will be problematic. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the existing proprietor has owned the premises for a minimum of 2 years you could ask them to start the process of the extension and then assign it to you. You can add 90 years to the existing lease term with a zero ground rent applied. You should consult your conveyancing solicitor about this.

How do I use the search tool to get a fee calculation from a conveyancing practitioner in New Milton on the approved list for my lender?

First select a lender such as Lloyds TSB Bank, Norwich and Peterborough Building Society or Aldermore then type in your preferred area for example New Milton. Conveyancing firms in New Milton and nationally should be identified.

I have been sourcing a conveyancing solicitor in New Milton for my remortgage. Is there any facility to check a solicitor's record with the profession’s regulator?

Members of the public may read published Solicitor Regulator Association (SRA) decisions stemming from investigations from 2008 onwards. Visit Check a solicitor's record. To find records Pre 2008, or to check a firm's history, ring 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, call +44 (0)121 329 6800. The regulator could recorded call for training reasons.

Are all New Milton law firms on every lender conveyancing panel?

You can use our search tool or you can drop into your local bank branch in New Milton. the probability is that they can recommend conveyancing solicitors in New Milton