I'm purchasing a new build house in Scunthorpe benefiting from help to buy. The developers would not reduce the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative told me not disclose to my conveyancer about the deal as it would adversely affect 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.

I opted to have a survey carried out on a house in Scunthorpe ahead of appointing lawyers. I have been told that there is a flying freehold element to the house. The surveyor advised that some banks may not issue a loan on this type of premises.

It varies from the lender to lender. HSBC has different instructions for example to Birmingham Midshires. If you e-mail us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Scunthorpe. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Scunthorpe to see if the conveyancing costs will increase in light of this.

How easy is it to use your search app to choose a conveyancing practitioner in Scunthorpe on the authorised to act for my lender?

1st select a bank such as , or then choose your location a common one being Scunthorpe. Conveyancing firms in Scunthorpe and further afield should be identified.