i am purchasing a new build house in Purfleet with a mortgage from . The builders would not move on the amount so I negotiated £7000 of fixtures and fittings instead. The estate agent advised me not inform my conveyancer about this side-deal as it may put at risk 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 am looking for a leasehold apartment up to £235,500 and identified one near me in Purfleet I like with a park and station in the vicinity, the downside is that it only has 51 years unexpired on the lease. There is not much else in Purfleet in this price bracket, so just wondered if I would be making a mistake purchasing a lease with such few years left?

Should you require a home loan the shortness of the lease may be an issue. Discount the offer by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for at least twenty four months you could ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing lawyer about this.

We are 3 weeks into a residential purchase having been referred to solicitors by the estate agent to carry out the conveyancing in Purfleet. We are not happy. Can you help me find new lawyers?

They would need to be really poor in order to consider replacing them. Has your mortgage been sent? If so you will need to advise them of the replacement conveyancer and have the mortgage documents are re-sent. The solicitor ideally should be on the lenders approved list to avoid escalating costs and frustration. So that should be your starting point. Our find a solicitor tool should assist you in finding a bank approved solicitor for your conveyancing in Purfleet