It is 10 years ago since I bought my home in North Cornelly. Conveyancing solicitors have just been appointed on the sale but I can't locate my title deeds. Is this a problem?

Don’t worry too much. First there is a possibility that the deeds will be with your mortgage company or they may be in the possession of the lawyers who acted in your purchase. Secondly in all probability the title will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in North Cornelly involves registered property but in the unlikely event that your home is unregistered it is more problematic but is resolvable.

i am purchasing a new build house in North Cornelly benefiting from help to buy. The sellers would not reduce the amount so I negotiated 6k of fixtures and fittings instead. The sale representative advised me not inform my conveyancer about the extras as it would impact my loan with the bank. Is this normal?.

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.

I've recently found out that there is a flying freehold element on a property I have offered on last month in what was supposed to be a simple, no chain conveyancing. North Cornelly is where the house is located. Can you offer any opinion?

Flying freeholds in North Cornelly are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in North Cornelly you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in North Cornelly may decide 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.