It is 10 years ago since I acquired my home in Westcombe Park. Conveyancing lawyers have recently been retained on the sale but I can't find the title deeds. Will this jeopardise the sale?

Don’t worry too much. Firstly the deeds may be with your lender or they may stored with the conveyancers who oversaw your purchase. Secondly the likelihood is that the property will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining current official copies of the land registers. The vast majority of conveyancing in Westcombe Park relates to registered property but in the rare situation where your home is unregistered it is more problematic but is resolvable.

3 months have gone by since my purchase conveyancing in Westcombe Park took place. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I'm buying my first flat in Westcombe Park with the aid of help to buy. The builders would not reduce the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep told me not inform my conveyancer about this extras as it will jeopardize my loan with the bank. 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.